Originally Posted by
radonc1
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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From the post it sounded like OP was just tired of writing checks to the piano teacher. No mention in the post about needing to meet a minimum spend on a credit card. The most points gained as it was purchased through a site that does not garner any bonus points would most likely be 240 points. Being generous the value of that would be .48 Considering all the costs associated with their transaction the OP should not continue on this route and should either read more about MS or go back to writing checks,