Originally Posted by
friedablass
Correct. I was just asking since it's helpful to know this for using a credit at the end of the benefit period which we are very close to right now. It is important to be aware not to book on 12/31 and expect the credit to come out of the 2025 bucket because it will most likely post with 1/1 date and take the credit from the 2026 bucket. Procrastination will end up costing you your 2025 credit so it's not worth it.
maybe, maybe not.
can’t speak for Chase, but Amex typically posts with the original charge date, and credit comes a couple of days later, backdated to the same date, with credit allocated to that period. For charges like this, that would typically be purchase time - for items that shop, like Saks/lululemon purchased online, that often defers to ship date, so it’s more important to buy earlier on those kind of charges. YMMV!