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I got my spending requirement wrong — reader mistake story

March 21 2022
5 min read
Person holding credit card over a laptop
I got my spending requirement wrong — reader mistake story
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Editor’s note: This post has been updated with new information. It was originally published on Feb. 28, 2020.

A seemingly infinite number of things can go wrong during travel. And while travelers can easily avoid some of these unfortunate situations with a bit of preparation, others appear bewilderingly predestined.

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No matter which end of the spectrum your ordeal falls on, it’s informative, instructive and often entertaining to swap cautionary tales with fellow travelers.

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This week’s reader mistake story comes from Joshua, who pursued a credit card sign-up bonus using bad information:

“In October of last year, I was excited to sign up for the IHG Rewards Premier Credit Card with a 125,000-point sign-up bonus. I’ve signed up for many credit cards before, so I knew the general game plan of meeting a spending requirement in a specific amount of time. I quickly used my card to prepay my cell phone bill for $1,000 and my internet bill for $1,000, and to make a few other purchases. I was happy to have hit the $2,000 threshold in a matter of days, and I patiently waited the specified six to eight weeks after my statement closed for my points to post.
“I continued waiting, but in January I got a bit nervous and decided to email Chase to see what the holdup was. I explained that I had spent $2,953 within three months and met the $2,000 spending requirement. The response I got from Chase the next day showed me that I had made a big mistake: the spending requirement was actually $3,000, and not $2,000 as I had thought initially. To make matters worse, the last day to meet the spending requirement happened to be the day I emailed them. Chase said it was too late to meet the spending requirement, and I was no longer eligible to receive the 125,000 bonus points. I could not believe I missed something like that.
“I decided to email Chase again to plead with them and see if they could extend a courtesy like a partial bonus. I knew it was a long shot, but the reply was something I totally didn’t expect. Chase offered to extend my spending deadline by two weeks, so all I had to do was spend the remaining $47 in two weeks to be eligible for my bonus. I quickly made a $50 purchase, and a few weeks later the 125,000 bonus points were deposited in my IHG account. The moral of the story for me is to make sure I remember the spending requirements by screenshotting the offer page so I can refer back to it.”

It’s great that Joshua energetically appealed to Chase over this gaffe. And it was also benevolent of Chase to extend the window to meet minimum spending to accommodate Joshua. Credit card issuers like Chase and American Express have been known to occasionally grant mercy in ordeals such as this — but it’s not a sure thing. The bank has no obligation to come to your rescue.

Related: When does the minimum spending clock start on a credit card sign-up bonus?

If you find yourself in this position, take Joshua’s shrewd approach in begging the bank to give you a break (I’ve done this myself once with Amex and achieved similar success to Joshua).

If you’ve previously opened other cards from the same bank, you likely understand their individual habits when it comes to rewards posting to your account. For example:

  • Chase posts your sign-up bonus once the billing cycle in which you’ve achieved minimum spending ends. If you’re two weeks into a new billing cycle and you still haven’t received your Chase bonus, something may be wrong.
  • American Express tends to post welcome bonus points within days after you’ve met the spending requirement. If you don’t see them after a week or two, you can chat Amex via your online account or in the Amex app.

Whatever the case, be sure to contact the issuing bank long before your spending window closes. You may have thought that something counted toward minimum spending when it in fact did not. For example:

  • Credit card annual fees don’t count toward minimum spending.
  • Any refunds that post to your card will be deducted from the spending you’ve achieved
  • Cash advances and balance transfers don’t count as purchases
  • Purchasing some gift cards may not count as purchases

For all these reasons, it’s wise to spend a fair amount of money beyond the minimum spending requirement — just to be safe.

Related: 12 ways to meet the spending requirements and earn the bonus on a new card

You’d also do well to take screenshots of the offers you apply for, as Joshua mentioned. It’s a great reference, so you can remember the exact terms of the offer. Credit card bonuses are changing constantly, so the terms you may find on the card’s application page may be completely different even a week after you’ve applied.

Please email us if you’d like to be featured in our weekly TPG reader mistake story. You’ll receive a $25 gift card if we publish your story!

Featured photo by (Photo by d3sign/Getty Images)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Best Marriott card for Business Owners
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards Rate

6X6x points at hotels participating in the Marriott Bonvoy® program.
4X4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2X2x points on all other eligible purchases.
  • Intro Offer
    Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.

    Limited Time Offer: Earn 100,000 points
    75,000 points
  • Annual Fee

    $125
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.

Pros

  • 6x points on eligible purchases at hotels participating in the Marriott Bonvoy program
  • 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
  • 2x points on all other eligible purchases
  • Earn a free-night award each card renewal month (up to 35,000 points)
  • Receive 15 elite night credits to jump-start status
  • Transfer Marriott points to 40+ airlines

Cons

  • Airline points transfer ratios are poor
  • Must spend $60,000 in a year for second free-night award
  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Terms apply.
  • See Rates & Fees