Does Chase not count returns against the SUB spend before the SUB is awarded? In other words, if I have a $5,000 spend requirement for the bonus, and I spend $1,000, return it for a $1,000 credit, and then spend another $4,500, will I get the SUB? I understand that if I spend $5,500, get the bonus, then have a $1,000 return for credit, Chase does not claw back the bonus, but that's different.