I have a SW Visa card from First USA Bank. I just found out the hard way that they have an annual cap on mileage credit. I suppose I should have ignored the paragraph on the monthly statements which reads: "Every time you make a purchase with your Southwest Airlines Rapid Rewards Visa card, you will earn Reward Dollars. For every 1,000 Reward Dollars, you'll earn 1 credit. The credits will be transferred to your Southwest Airlines Rapid Rewards account within 30 days of this statement and will combined with all of your other credits."

It says "every time" and "credits will be transferred". Nothing about any cap in this paragraph or anywhere on the statement. I have no problem abiding by restrictions that are spelled out plainly, but this paragraph didn't carry any asterisk and footnote with restrictions like you see for fare sales. The only fine print points to the southwest.com site for info on Rapid Rewards, and that site describes 1 credit per $1000 without any mention of a cap either. This is downright sneaky.

I will write to FirstUSA and ask politely for an exception, and I suppose I could take it to Small Claims Court if they stonewall me. Has anybody had any luck in getting FirstUSA to waive the cap?