Since this carryover option hasn't even occurred for the first time yet, I'm not sure how it could already be considered a bad idea or need to be tweaked. I'm going to wait and see how it plays out.

In concept, it encourages people to apply for the credit card; their goal, obviously. No card, no benefit. I don't see that changing at all.

In the past, Virgin has allowed a few days into the new year for pending activity to be added before resetting the status points.