Do I keep points earned from canceled card
I have a Gold and Everyday card. My AF anniversary is 11/15. If I cancel on the 16th, to avoid the 12 month rule since it was a new card, do I keep the points "pending" from recent purchases?
I have an Everyday card so I know I won't lose previously earned points. And if I cancel the card the day after the 12 month anniversary I should get a refund on the new year AF and avoid a claw back of the sign up bonus points. My question is on "pending" point loss close to a card closure.