Seriously, why would I open a claim for 32 cents??? Very happy that this is working again, and can run 5K a month for $100 cashback (I am not a heavy hitter as some others are as I am limited to how these can be liquidated) - the $100 more than covers loading and ATM fees needed to liquidate - so it's a nice easy way of achieving min spend, or just adding, say another 5000 SPG onto the account.