> If you think $200 is a “measly” amount, why do you care about statement credit clawbacks?
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> We are skeptical that once all credit-card expenses are taken into account, you are not actually saving any money on your expensive business class ticket.
Your surcharge comment is interesting in multiple ways.
First, I’m surprised that major merchants in Australia put a surcharge just for accepting Amex. Second, I’m surprised that the surcharge is so TINY (less than 1%???). Third, it shows that you are not approaching credit card points via the mainstream way at r/churning, which is chasing sign-up bonuses.
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Using CIC -> Gift Card -> Gift of College -> Student Loan Servicer
Using the Chase Ink Cash in this way nets 10k points for every $2,000 spent, resulting in $59.50 in fees. That’s in addition to the sign-up bonus.
For comparison, if the CIC was used directly through GoC, it would net 2k points for every $2,000 (515×3 + 455) spent, resulting in about $55 in fees. So it’s an extra 24k UR points.
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