Originally Posted by hurnik

No, the credit doesn't *always* post on the 16th.

I went back through my Quicken data. I noted the date that Quicken downloaded the transaction (ie, the date it showed up on the Citi/Sears site) along with it's back-dated date. (It'll show on the Sears website as the backdated, you'd have to manually note WHEN it showed up though). In other words, Quicken would download every day. On say, the 30th of the month it would download a transaction with a backdated posted date (so if I didn't manually note it, Quicken would show it was actually downloaded on the back-dated date as that's how it'd show up in the register).

I missed out on January 2024, so my data is only for 11 months, although something funky happened for December 2024 (never got the 10% of my over $2,000 they only posted $100 for some reason). Second, Statement date *seems* to matter in a sense of when it's backdated, at least it coincides with my statement closing dates (or rather the day or two before).

Anyway, the dates are listed "when" they transacted, followed by backdated "posting" date (or perhaps it's posting/transacted?)
3/16/24 - backdated to 2/24/24 for Feb 2024 purchases (met the max after statement closing date)
3/31/24 - backdated to 3/26/24 for March purchases (met the max BEFORE statement closing date)
4/30/24 - backdated to 4/25/24 for April purchases (met the max BEFORE statement closing date)
5/30/24 - backdated to 5/25/24 for May purchases (met the max BEFORE statement closing date)
7/17/24 backdated to 6/25/24 for June purchases (i'd met the max after statement closing on 6/26/24)
8/16/24 backdated to 7/26/24 for July purchases (met the max before statement closing on 7/26/25)
8/31/24 backdated to 8/26/24 for August purchases (met the max before statement closing)
10/16/24 backdated to 9/25/24 for Sept purchases (had not met the max before closing date)
11/24/24 backdated to 10/26/24 for October purchases (met the max before statement closing date)
12/16/24 backdated to 11/25/24 for November (had not met max by statement closing)
1/26/25 backdated to 12/26/24 for December purchases (had met max by statement closing date)

Haven't received credits for January although didn't max out until after statement closing date either