I have been billed the annual fee on my card and paid it off without receiving any points or certificates. I did some research and determined I need to spend $1 on the card, and wait for the next statement to close in order to receive my annual 40K points. I now have the 40K points, but not the annual E-Cert (I met the spending for 1 E-Cert). Have other people's E-Certs posted at the same time as the points or does it come later on? I'll give them a call if they're supposed to arrive at the same time.