Jan 23, 2014, 9:16 pm
Last edit by: pgary
Do not post referral offers or requests in this thread. All such posts will be deleted.
This thread is dedicated to Q&A about the Chase RR Visa signup bonus offers.
Post important Chase RR Visa news in the RR Visa News ONLY thread. (It will quickly get lost in this thread.)
Post or look for referral offers ONLY in the RR Visa referrals thread in the referrals thread of the credit card forum.
75,000 miles bonus for all Southwest Airlines personal credit cards.
40K + 20K personal Plus
offer: $1,000 spend in three months for 40K. $11,000 more in 12 months for additional 20K. $69 annual fee, not waived the first year.
40K + 20K personal Premier offer. $1,000 spend in three months. $11,000 more in 12 months for additional 20K. $99 annual fee, not waived the first year.
70K Performance Business Card offer. $5,000 spend in three months. $199 annual fee, not waived the first year.
50K personal Plus offer $2,000 spend in three months. $69 annual fee, not waived the first year.
40K personal Plus offer: $1,000 spend in three months. $69 annual fee, not waived the first year.
40K personal Premier offer. $1,000 spend in three months. $99 annual fee, not waived the first year.
50K personal Premier offer. $2,000 spend in three months. $99 annual fee, not waived the first year.
60K Business Premier offer. $3,000 spend in three months. $99 annual fee, not waived the first year.
60K Plus offer. $2,000 spend in three months. $69 annual fee, not waived the first year.
60K personal Premier offer. $2,000 spend in three months. $99 annual fee, not waived the first year.
60K Plus offer. $2,000 spend in three months. $69 annual fee, not waived the first year. Still active 07-July-2017
50K Plus offer. $2,000 spend in three months. $69 annual fee, not waived the first year. Still active 21-Apr-2017
40K Personal Plus offer. $1,000 spend in three months. $69 annual fee, not waived the first year.
50K personal Premier offer. $2,000 spend in three months. $99 annual fee, not waived the first year. Still active 21-Apr-2017
40K Personal Premier offer. $1,000 spend in three months. $99 annual fee, not waived the first year.
50K Business Premier offer. $2,000 spend in three months. $99 annual fee, not waived the first year. Still active 21-Apr-2017
There have been targeted offers of 50K & $100 credit, for example:
http://www.flyertalk.com/forum/24575935-post2302.html
Frequently Asked Questions about Rapid Rewards Visa
1. What are the different card types?
non-business Plus, non-business Premier, business Plus, and business Premier.
Premier cards have a higher annual fee but give 6000 anniversary bonus points vs. 3000 points for the Plus cards. It is generally agreed that you will get the bonus for a new account if you have not had that particular type of RR Visa card before, but Chase appears to be in the process of changing their policies (see below).
Note that prior to RR-2.0, the two types of RR Visa cards were "Classic" ($29 to $39 annual fee) and "Signature" ($59 to $69 annual fee). Plus and Premier are new products for purposes of the (soon to be retired?) "One bonus per product" rule.
2. Is there a zero annual fee version?
No.
3. Can I "churn" these cards? How often can I reapply for the same type card and get the signup bonus?
The official rule has recently changed more than once. Closely check the T&C of your offer as different rules may apply to concurrently available offers. The Inflight offer linked above states:
Referral offers have been seen with a limit of one individual and one business bonus per lifetime (although T&C read by the CSR taking the application differed from those printed on the referral offer).
Actual results sometimes differ from the official rule. People have reported receiving the bonus a second time on the same card type at various intervals even when the bonus was officially once per lifefime per product. Please post your results here.
As of mid-May 2015 Chase has cracked down on applicants who appear to have much less than average attachment to their cards. Specifically, more than 5 applications within the past 24 months is the approximate cutoff: Chase crackdown on churners: Please report your RR Visa approvals/denials here
4. Can I cancel the card and still collect the anniversary bonus?
Yes. Reasonable people disagree on whether this crosses the line of exploiting the card issuer. The anniversary bonus is described a reward for having been a cardmember for the past year, not as a reward for paying the next year's annual fee. Based on that description, the bonus has been earned even if you then cancel the card. As a practical matter, there is a window of only a couple weeks to accomplish this. The bonus points will post on the billing date of the statement containing your new annual fee, which will have posted earlier in the billing cycle. You have 30 days from posting of the annual fee to cancel the card and have the new fee refunded.
5. Does the annual fee count toward the spending threshold for the signup bonus?
No.
6. When will my signup bonus post to my Rapid Rewards account?
If you have met the spending threshold at least several days before your statement date, the bonus will normally post 2 days after your statement date, not when you actually spent the money! Cutting the timing or the spending amount too closely is not advisable. Mistakes can happen.
7. My statement shows sufficient purchases to meet the spending threshold. Why didn't I receive the bonus?
This can happen if you met the spending threshold just a few days before the statement date. It appears that accounts are flagged for meeting the spending threshold independently of the statement generation process and less frequently than daily.
8. How can I determine my statement date?
You should call Chase (phone number on back of card) to check your next statement date. Credit card companies are now required to have payments due on the same numerical day of each month, which means closing dates vary throughout the year. (Before reforms enacted after the financial crisis, RR Visa cards had constant closing dates rather than constant due dates.) The closing date should remain within the same small range unless you request a change of your payment due date. When you request a change, Chase normally can delay your next statement but cannot accelerate it. If you are unwisely taking the risk of cutting your timing too close, you should call Chase more than once to confirm your next statement date.
9. I accidentally crossed the spending threshold in December rather than January. Can I return a large purchase to bring my spending back below the threshold?
Unlikely. It appears that the sweep to check spending threshold does not un-flag an account previously flagged as meeting the threshold. It's not even clear whether the sweep counts returns at all. If you realize the error before the statement closes and you have a payment due date change available, you might be able to push the December closing date into January.
10. Can I apply for a credit card in my wife's name but my Rapid Rewards number, so that the points funnel into my account?
People have tried this. Some have succeeded. Others have reported that Chase closed the account and posted no Rapid Rewards points. Do you feel lucky? Programs can become very aggressive when they suspect members of defrauding the program by using non-matching names. When you game the system you are only on solid ground if you follow the rules to the letter. Breaking the rules means that the program can penalize you if they want to, and believe me: They want to.
11. Can I scam this system in any other way? I just had a clever idea.
There is nothing new under the sun here on FlyerTalk. If it relates to established program rules and it isn't discussed here you can be confident your idea will not work.
This thread is dedicated to Q&A about the Chase RR Visa signup bonus offers.
Post important Chase RR Visa news in the RR Visa News ONLY thread. (It will quickly get lost in this thread.)
Post or look for referral offers ONLY in the RR Visa referrals thread in the referrals thread of the credit card forum.
75,000 miles bonus for all Southwest Airlines personal credit cards.
- 40,000 points when you spend $1,000 within 3 months.
- 35,000 points when you spend $5,000 within 6 months.
- Southwest Airlines Rapid Rewards® Plus Card. $69 annual fee, not waived the first year.
- Southwest Rapid Rewards® Premier Credit Card. $99 annual fee, not waived the first year.
offer: $1,000 spend in three months for 40K. $11,000 more in 12 months for additional 20K. $69 annual fee, not waived the first year.
40K + 20K personal Premier offer. $1,000 spend in three months. $11,000 more in 12 months for additional 20K. $99 annual fee, not waived the first year.
70K Performance Business Card offer. $5,000 spend in three months. $199 annual fee, not waived the first year.
40K personal Plus offer: $1,000 spend in three months. $69 annual fee, not waived the first year.
40K personal Premier offer. $1,000 spend in three months. $99 annual fee, not waived the first year.
60K Business Premier offer. $3,000 spend in three months. $99 annual fee, not waived the first year.
There have been targeted offers of 50K & $100 credit, for example:
http://www.flyertalk.com/forum/24575935-post2302.html
Frequently Asked Questions about Rapid Rewards Visa
1. What are the different card types?
non-business Plus, non-business Premier, business Plus, and business Premier.
Premier cards have a higher annual fee but give 6000 anniversary bonus points vs. 3000 points for the Plus cards. It is generally agreed that you will get the bonus for a new account if you have not had that particular type of RR Visa card before, but Chase appears to be in the process of changing their policies (see below).
Note that prior to RR-2.0, the two types of RR Visa cards were "Classic" ($29 to $39 annual fee) and "Signature" ($59 to $69 annual fee). Plus and Premier are new products for purposes of the (soon to be retired?) "One bonus per product" rule.
2. Is there a zero annual fee version?
No.
3. Can I "churn" these cards? How often can I reapply for the same type card and get the signup bonus?
The official rule has recently changed more than once. Closely check the T&C of your offer as different rules may apply to concurrently available offers. The Inflight offer linked above states:
This bonus offer is available to you as long as you have not received a new cardmember bonus for this product in the past twenty four months.
Actual results sometimes differ from the official rule. People have reported receiving the bonus a second time on the same card type at various intervals even when the bonus was officially once per lifefime per product. Please post your results here.
As of mid-May 2015 Chase has cracked down on applicants who appear to have much less than average attachment to their cards. Specifically, more than 5 applications within the past 24 months is the approximate cutoff: Chase crackdown on churners: Please report your RR Visa approvals/denials here
4. Can I cancel the card and still collect the anniversary bonus?
Yes. Reasonable people disagree on whether this crosses the line of exploiting the card issuer. The anniversary bonus is described a reward for having been a cardmember for the past year, not as a reward for paying the next year's annual fee. Based on that description, the bonus has been earned even if you then cancel the card. As a practical matter, there is a window of only a couple weeks to accomplish this. The bonus points will post on the billing date of the statement containing your new annual fee, which will have posted earlier in the billing cycle. You have 30 days from posting of the annual fee to cancel the card and have the new fee refunded.
5. Does the annual fee count toward the spending threshold for the signup bonus?
No.
6. When will my signup bonus post to my Rapid Rewards account?
If you have met the spending threshold at least several days before your statement date, the bonus will normally post 2 days after your statement date, not when you actually spent the money! Cutting the timing or the spending amount too closely is not advisable. Mistakes can happen.
7. My statement shows sufficient purchases to meet the spending threshold. Why didn't I receive the bonus?
This can happen if you met the spending threshold just a few days before the statement date. It appears that accounts are flagged for meeting the spending threshold independently of the statement generation process and less frequently than daily.
8. How can I determine my statement date?
You should call Chase (phone number on back of card) to check your next statement date. Credit card companies are now required to have payments due on the same numerical day of each month, which means closing dates vary throughout the year. (Before reforms enacted after the financial crisis, RR Visa cards had constant closing dates rather than constant due dates.) The closing date should remain within the same small range unless you request a change of your payment due date. When you request a change, Chase normally can delay your next statement but cannot accelerate it. If you are unwisely taking the risk of cutting your timing too close, you should call Chase more than once to confirm your next statement date.
9. I accidentally crossed the spending threshold in December rather than January. Can I return a large purchase to bring my spending back below the threshold?
Unlikely. It appears that the sweep to check spending threshold does not un-flag an account previously flagged as meeting the threshold. It's not even clear whether the sweep counts returns at all. If you realize the error before the statement closes and you have a payment due date change available, you might be able to push the December closing date into January.
10. Can I apply for a credit card in my wife's name but my Rapid Rewards number, so that the points funnel into my account?
People have tried this. Some have succeeded. Others have reported that Chase closed the account and posted no Rapid Rewards points. Do you feel lucky? Programs can become very aggressive when they suspect members of defrauding the program by using non-matching names. When you game the system you are only on solid ground if you follow the rules to the letter. Breaking the rules means that the program can penalize you if they want to, and believe me: They want to.
11. Can I scam this system in any other way? I just had a clever idea.
There is nothing new under the sun here on FlyerTalk. If it relates to established program rules and it isn't discussed here you can be confident your idea will not work.
Discussion of Chase RR Visa 40K-75K sigunup points offers -- NO REFERRALS!
Jan 28, 2018, 9:39 pm
#3946
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
I totally agree you may well get wrong information by calling in. But to say they LIKE to give out wrong information is just wrong. Actually, I think many people LIKE to say agents do that.
Personally, I believe it is a combination of:
* rep not understanding the question
* customer asking one question but actually meaning something different than what they asked
* CustRep answering what they "think" the customer asked
* CustRep answering what they think the customer "meant" to ask
* customer hearing something different than what the CustRep actually said
Personally, I believe it is a combination of:
* rep not understanding the question
* customer asking one question but actually meaning something different than what they asked
* CustRep answering what they "think" the customer asked
* CustRep answering what they think the customer "meant" to ask
* customer hearing something different than what the CustRep actually said
Having said that, I have no doubt they give wrong information also. The same could also be said about the reps at WN. But whatever the case may be, you are more likely to get more reliable information from here.
Last edited by Critterlynn; Jan 28, 2018 at 11:23 pm
Jan 29, 2018, 5:34 am
#3947
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,174
I totally agree you may well get wrong information by calling in. But to say they LIKE to give out wrong information is just wrong. Actually, I think many people LIKE to say agents do that.
Personally, I believe it is a combination of:
* rep not understanding the question
* customer asking one question but actually meaning something different than what they asked
* CustRep answering what they "think" the customer asked
* CustRep answering what they think the customer "meant" to ask
* customer hearing something different than what the CustRep actually said
Personally, I believe it is a combination of:
* rep not understanding the question
* customer asking one question but actually meaning something different than what they asked
* CustRep answering what they "think" the customer asked
* CustRep answering what they think the customer "meant" to ask
* customer hearing something different than what the CustRep actually said
* Rep reluctant to say “I don’t know.”
* Rep too lazy to bother finding out the answer.
Feb 11, 2018, 5:23 pm
#3949
Join Date: Nov 2002
Location: Ellicott City, MD USA
Programs: SPG Plat and that is that!
Posts: 253
Bonus Point Mishap - Thoughts or Advice?
Truly posting for a friend - still have my CP this year from Marriott last year. My friend applied for and was approved for 2 separate cards in October 2017. Both personal, one in his name, one in his wife's name, separate applications, both feeding his SWA RR account. He tracked his spend for $2000 and the 50k bonus carefully. One card worked as he had planned, he spent his $2000th in December and got the bonus fairly soon after, but in January and counts towards CP in 2018.
However, on his other card, just calling a spade a spade - he did something not-so-smart. He charged $1000 at Home Depot, realized the materials were not right, returned it the next day - then assumed the $1000 did not count towards his spend. BUT, it did, so he hit his $2000 threshold much sooner - in November actually and got the Bonus points in Nov 2017 - so now he is still short in 2018.
The interesting part is the actual "spend" points netted out - meaning he never received the 1000 points for the spend, but the bonus did apply - even though technically he had spent $2500 (yes) but got a credit for $1000 in the same period so he was NET, really short.
Anyone have advice or guidance on how if at all the credit card company could reconcile that? I told him I think he is out of luck - BUT, maybe someone knows the right person to ask. I can't imagine SWA - even their customer service, can help, but looking for guidance. To me ... seems awkward they award the bonus off the "Gross spend" not the net spend. The return was credited to the card literally the next day.
Ideas? Thanks!
However, on his other card, just calling a spade a spade - he did something not-so-smart. He charged $1000 at Home Depot, realized the materials were not right, returned it the next day - then assumed the $1000 did not count towards his spend. BUT, it did, so he hit his $2000 threshold much sooner - in November actually and got the Bonus points in Nov 2017 - so now he is still short in 2018.
The interesting part is the actual "spend" points netted out - meaning he never received the 1000 points for the spend, but the bonus did apply - even though technically he had spent $2500 (yes) but got a credit for $1000 in the same period so he was NET, really short.
Anyone have advice or guidance on how if at all the credit card company could reconcile that? I told him I think he is out of luck - BUT, maybe someone knows the right person to ask. I can't imagine SWA - even their customer service, can help, but looking for guidance. To me ... seems awkward they award the bonus off the "Gross spend" not the net spend. The return was credited to the card literally the next day.
Ideas? Thanks!
Feb 11, 2018, 7:46 pm
#3950
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,174
Truly posting for a friend - still have my CP this year from Marriott last year. My friend applied for and was approved for 2 separate cards in October 2017. Both personal, one in his name, one in his wife's name, separate applications, both feeding his SWA RR account. He tracked his spend for $2000 and the 50k bonus carefully. One card worked as he had planned, he spent his $2000th in December and got the bonus fairly soon after, but in January and counts towards CP in 2018.
However, on his other card, just calling a spade a spade - he did something not-so-smart. He charged $1000 at Home Depot, realized the materials were not right, returned it the next day - then assumed the $1000 did not count towards his spend. BUT, it did, so he hit his $2000 threshold much sooner - in November actually and got the Bonus points in Nov 2017 - so now he is still short in 2018.
The interesting part is the actual "spend" points netted out - meaning he never received the 1000 points for the spend, but the bonus did apply - even though technically he had spent $2500 (yes) but got a credit for $1000 in the same period so he was NET, really short.
Anyone have advice or guidance on how if at all the credit card company could reconcile that? I told him I think he is out of luck - BUT, maybe someone knows the right person to ask. I can't imagine SWA - even their customer service, can help, but looking for guidance. To me ... seems awkward they award the bonus off the "Gross spend" not the net spend. The return was credited to the card literally the next day.
Ideas? Thanks!
However, on his other card, just calling a spade a spade - he did something not-so-smart. He charged $1000 at Home Depot, realized the materials were not right, returned it the next day - then assumed the $1000 did not count towards his spend. BUT, it did, so he hit his $2000 threshold much sooner - in November actually and got the Bonus points in Nov 2017 - so now he is still short in 2018.
The interesting part is the actual "spend" points netted out - meaning he never received the 1000 points for the spend, but the bonus did apply - even though technically he had spent $2500 (yes) but got a credit for $1000 in the same period so he was NET, really short.
Anyone have advice or guidance on how if at all the credit card company could reconcile that? I told him I think he is out of luck - BUT, maybe someone knows the right person to ask. I can't imagine SWA - even their customer service, can help, but looking for guidance. To me ... seems awkward they award the bonus off the "Gross spend" not the net spend. The return was credited to the card literally the next day.
Ideas? Thanks!
This is precisely why I always recommend doing all charges on January 1. But no one listens to me.
I have never ever heard of anyone successfully appealing, but maybe it’s possible. If it happens, let us know.
Last edited by toomanybooks; Feb 11, 2018 at 7:51 pm
Feb 11, 2018, 8:13 pm
#3952
Join Date: May 2002
Programs: WN F9 HA UA AA IHG HH MR
Posts: 3,305
Surprising that he got any points at all from Chase with the wife's CC feeding into husbands RR account.
Feb 11, 2018, 11:26 pm
#3953
Moderator, Southwest Airlines and Choice Privileges
Join Date: Mar 2008
Location: Central Texas
Posts: 3,036
According to a friend's previously reported tale of woe, it is even worse than described above. He claims that with, say, $2,500 gross of a $3,000 spend requirement, a reversal of $1,000 of the $2,500 spend put him over the target, because Chase uses the absolute value of the line item in tallying transactions for bonus purposes. Chase CSR reportedly told him such in a phone call. As preposterous as that sounds at first blush, consider: I kind of think a merchant with a 2.5% + ( $.25 / transaction) contract would pay $25.50 for the $1,000 purchase and another $25.50 for the $1,000 credit, so in that sense Chase could be ambivalent about the +/- sign in front of the number.
Feb 11, 2018, 11:49 pm
#3954
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
According to a friend's previously reported tale of woe, it is even worse than described above. He claims that with, say, $2,500 gross of a $3,000 spend requirement, a reversal of $1,000 of the $2,500 spend put him over the target, because Chase uses the absolute value of the line item in tallying transactions for bonus purposes. Chase CSR reportedly told him such in a phone call. As preposterous as that sounds at first blush, consider: I kind of think a merchant with a 2.5% + ( $.25 / transaction) contract would pay $25.50 for the $1,000 purchase and another $25.50 for the $1,000 credit, so in that sense Chase could be ambivalent about the +/- sign in front of the number.
Feb 12, 2018, 12:46 am
#3955
Moderator, Southwest Airlines and Choice Privileges
Join Date: Mar 2008
Location: Central Texas
Posts: 3,036
Sounds like the CSR didn't know what the hell he was talking about, or your friend misunderstood. If that truly is the case, we now have the solution for all the people who have problems meeting the minimum spend. No need for manufactured spending. Just go out and buy some large ticket items and return them.
I don't 100% trust the Chase CSR to have given him totally accurate facts about charges versus chargebacks, but I want to put the information out there to further support toomanybooks' laudatory efforts to encourage extreme caution regarding RR Visa spending when aiming for a CP.
Feb 12, 2018, 7:03 am
#3956
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,174
According to a friend's previously reported tale of woe, it is even worse than described above. He claims that with, say, $2,500 gross of a $3,000 spend requirement, a reversal of $1,000 of the $2,500 spend put him over the target, because Chase uses the absolute value of the line item in tallying transactions for bonus purposes. Chase CSR reportedly told him such in a phone call. As preposterous as that sounds at first blush, consider: I kind of think a merchant with a 2.5% + ( $.25 / transaction) contract would pay $25.50 for the $1,000 purchase and another $25.50 for the $1,000 credit, so in that sense Chase could be ambivalent about the +/- sign in front of the number.
This fall I may get a new WN CC even though I won’t need it, just to test this out.
Feb 12, 2018, 12:33 pm
#3957
Join Date: Nov 2002
Location: Ellicott City, MD USA
Programs: SPG Plat and that is that!
Posts: 253
So ... I will say this. I think ftnoob may be right. Having analyzed the spend dates (there is a spreadsheet) and the posting of the sign up bonus for my friend in the return-to-vendor situation, I think that the timing, though not conclusively, bears that out that indeed, the refund of $1002 actually caused the threshold to be met. I was really really confused but if this is true this would explain it. I'm gonna nresearch more...
Feb 12, 2018, 8:24 pm
#3958
Join Date: Nov 2002
Location: Ellicott City, MD USA
Programs: SPG Plat and that is that!
Posts: 253
Update - checked with my friend. After the first 30 days of having the card, they received a one-time posting of 61,906 SWA points. This represents the 60k bonus, and the "net spend" one point per dollar for exactly $1906 that was spent ... Net. Meaning they charged $2906 but also had the $1000 credit from Home Depot. So bottom line - it seems the credit card tracks only the spend, not the return with regards to getting the spend bonus. So you could spend $2000 and then simply return it all and get the bonus, per this detail. Obviously YMMV, but I can conclusively say that the first month's bill was $1906, but the bonus that would typically be paid after $2000 spend was granted.
Feb 13, 2018, 10:39 am
#3959
FlyerTalk Evangelist
Join Date: Nov 2000
Location: Nashville -Past DL Plat, FO, WN-CP, various hotel programs
Programs: DL-MM, AA, SW w/companion,HiltonDiamond, Hyatt PLat, IHF Plat, Miles and Points Seeker
Posts: 11,072
BE CAREFUL.
Just because some people were able to spend and refund and still get the bonus does not mean the next person will be so lucky. It only means they got away with it.
If Chase decides to claw back points and bonus, then they win. It does not matter if somebody else got away with it.
YMMV
Just because some people were able to spend and refund and still get the bonus does not mean the next person will be so lucky. It only means they got away with it.
If Chase decides to claw back points and bonus, then they win. It does not matter if somebody else got away with it.
YMMV
Mar 2, 2018, 3:49 pm
#3960
Join Date: Mar 2018
Posts: 6
2 SW plus cards?
Hi, I applied 1/28 for the premier and the plus, to get the companion pass. Got immediate approval for both, with high credit lines. I was 1/24 with the sapphire preferred opened 11/18. When the cards came in they were both plus cards. I called Chase and explained the situation, and the rep told be just close one of the plus cards and reapply for the premier. The new app was declined on 2/9 for too many new accounts in too short a time. I called recon 2x, both times they said nothing they could do. I’m willing to reapply now that the SP is 90+ days old, and the SW card is over 30 days, but I don’t want to waste an app.
Also, the closed account is showing up on my credit report as closed by consumer, but it should never have been opened. So that puts me at 3/24, when I should be at 2/24, and another app will put me at 4/24instead of 3/24. Any suggestions? Ideas on how to proceed? Thanks!
Also, the closed account is showing up on my credit report as closed by consumer, but it should never have been opened. So that puts me at 3/24, when I should be at 2/24, and another app will put me at 4/24instead of 3/24. Any suggestions? Ideas on how to proceed? Thanks!