Originally Posted by
jdsva
Agreed. The trade off in accelerating that spending is that it goes on your current statement and you lose a little bit of a grace period, but to me the potential interest earned on deferring that purchase vs. *ensuring* 50% more value on those points is not worth it in the slightest - especially if it’s a large purchase (which if it isn’t.. who cares either way?).
not true
1) for people who cannot bring forward the spend, they may end up putting the spend on another card. for people who hit credit limit and isnt able or willing to pay off the balance, they may also have to put it on another card
2) you lose out on the interest due to delayed spend. and the larger the spend, the more you lose out on interest
3) there is point boost of up to 2cpp. so you cant even be certain that you *ensuring* 50% more value on those points
i think it helps to point out there while there are some risks, it is likely that the cut off is by transaction posting rather than statement. everyone can then make their own choices