Originally Posted by
zeppoloveskafka
There is no debate. OP did not manufacture any spend. OP could have paid a bill for $0, but created a
Rube Goldberg mechanism to manufacture deficit.
Sure, he could have paid for it with a check. It would have cost him ?nothing?
But he would have missed out of the following: (and which have their own costs)
-minimum spend on a credit card for an award
-points awarded for cc spend
-minimum spend to reach a certain level in a program
-cash back
I believe that MS is more than just generating credits by buying MOs with a credit card, depositing them and paying off the CC bill (in its latest version, now that other pathways are defunct). I think that one can achieve the above bullet points and pay bills that are check only.by using MS (in a slightly altered fashion).
Thus, my definition may not be exactly yours. So be it.
The OP may have been inefficient in his methods but he is new to the game. He will learn, hopefully.
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