How often do you validate/track your CC points earned

[navam]

I'm curious what the people of this community do -
1. Trust the banks completely and don't look at the points earned?
2. Keep track of points actively because you feel banks might miss/cheat?

Context:
I have mostly been in #1 category and just now was looking at atlas miles and felt like some points are missing or should be higher and frankly since I don't track actively now I can't really make sense of it.
Soo, should I keep track actively or not? And is it all banks or only some you feel like you must keep an eye on?

 

[cardio_guycardio_guy is verified member.]

Easiest to track is Amazon Pay ICICI. On Amazon App, it clearly shows for each transaction how much is the cashback % and amount.

Difficult is HDFC Swiggy. They just load into the statement on 1%, 5%, and 10% categories. but there is no transactionwise split.

Shittiest is Tata neu infinity, though they show neu coins earned for each transaction, it will expire within 1 year and very difficult to track what is where.
+ There is app-based and card-based cashbacks and we will get totally confused what is where. On top of that they have all this bonus offers, limited time additional extra neu coin offer etc. all this makes it a big mess.

 

[navam]

Easiest to track is Amazon Pay ICICI. On Amazon App, it clearly shows for each transaction how much is the cashback % and amount.

Difficult is HDFC Swiggy. They just load into the statement on 1%, 5%, and 10% categories. but there is no transactionwise split.

Shittiest is Tata neu infinity, though they show neu coins earned for each transaction, it will expire within 1 year and very difficult to track what is where.
+ There is app-based and card-based cashbacks and we will get totally confused what is where. On top of that they have all this bonus offers, limited time additional extra neu coin offer etc. all this makes it a big mess.

But like do you feel like you need to track it because banks can screw up?

 

[kuchbhikuchbhi is verified member.]

But like do you feel like you need to track it because banks can screw up?

sometimes they do screw up
there is no denying that
that is why we need to confirm them, show them guidelines sometimes for their unethics then they revert with what we deserve

 

[keyur11]

Actively keeping track of points / miles. There were one or two occurrences where I had to email bank's customer care to correct it.

 

[harshgupta940]

I'm curious what the people of this community do -
1. Trust the banks completely and don't look at the points earned?
2. Keep track of points actively because you feel banks might miss/cheat?

I am category 2 for first few months for a new credit card and as and when there is a big purchase made or I want to check if a particular merchant is eligible for rp/cb. Also if any milestone points or cb is to credited.

Rest of the time I am in category 1 when I have usual spends and trust the bank that they would have correctly credited the rp/cb.

 

[cardio_guycardio_guy is verified member.]

But like do you feel like you need to track it because banks can screw up?

At least I wish to believe that they don't cheat us. I trust their systems and wish they don't screw up.
If I make any big payments, I track if the cashback for that particular payment has come.
Otherwise I do a random check, quick run through the statement.

 

[tachniki]

I actively track. For some card / app, I track transaction wise. For others on statement.

 

[navam]

Do you guys feel any particular bank must be tracked regularly cause they screw up more often?

 

[kuchbhikuchbhi is verified member.]

Do you guys feel any particular bank must be tracked regularly cause they screw up more often?

Axes - The Edge Points Kaand 🪓🪓

 

[maheshspanicker]

Usually I let the banks do their job. But when there are big transactions or when I notice significant discrepancies, then I track. One bank that has to be tracked properly is RBL, though there is no way to really track them by transaction, and usually they mess it up.

 

[Firewing224]

I track actively for infinia. Found cases where points not posted / points reversed when points not even given for cancelled transaction. Eg. Billing date 20th. Transaction date 18th, cancelled on 19th. They reversed points on 19th but didn't give the points on 18th. Said they'll give in next cycle.

Don't care abt icici and indusind. Icici cuz it's worthless and indusind is avios points.

 

[Lobogris]

I check daily or every couple of days. This is just a general check to see if the points for the recent purchases were added. I don't add up purchases and points and just look at the rough figure.

 

[rajcasio]

I found out my OCTOBER statement of SBI BPCL has less RP. Instead of 500+ they have credited just 50+ RP.
Mailed them and the CC guys response was not satisfactory.
Escalated to Nodal officer and got it credited.

 

[disloader]

Some months, when I don't make a lot of transactions, I do try to check. For others, my statement becomes a mess and I just get lost. I find OneCard's app UI too good for tracking my reward points, where reward points are instantly reflected with transactions. (there may be better apps, idk, I don't own a lot of cc)

 

[6ix9ine]

I'm curious what the people of this community do -
1. Trust the banks completely and don't look at the points earned?
2. Keep track of points actively because you feel banks might miss/cheat?

Context:
I have mostly been in #1 category and just now was looking at atlas miles and felt like some points are missing or should be higher and frankly since I don't track actively now I can't really make sense of it.
Soo, should I keep track actively or not? And is it all banks or only some you feel like you must keep an eye on?

I have to check daily because SBI is like a meethi churii (🔪). They slice you slowly - slowly, forfeiting points after 6-7 months. I'm getting sliced every 2-3 weeks due to my old transactions.

 

[harshgupta940]

I have to check daily because SBI is like a meethi churii (🔪). They slice you slowly - slowly, forfeiting points after 6-7 months. I'm getting sliced every 2-3 weeks due to my old transactions.

Daily would be a pain.. And using which SBI Card do you do txns on daily basis 🤔

 

[6ix9ine]

Daily would be a pain.. And using which SBI Card do you do txns on daily basis 🤔

I'm only checking my points daily in the SBI app, not doing transactions daily 😅 and it's Simplyclick.

It's a classic SBI rule: if you receive cashback, they will forfeit the points earned from that specific transaction.

 

[harshgupta940]

I'm only checking my points daily in the SBI app, not doing transactions daily 😅 and it's Simplyclick.

It's a classic SBI rule: if you receive cashback, they will forfeit the points earned from that specific transaction.

Ohk got it, similar situation happened with HDFC in Flipkart BBD.
Did anyone's points are forfeited in ther HDFC CC for txn done using HDFC CC Card discount in Flipkart BBD?
My points are intact.

 

[Sriim]

Do you guys feel any particular bank must be tracked regularly cause they screw up more often?

Bank of Baroda HPCL Energie CC
Indus select DCs

These are 2 cards that i have encountered inconsistent points so far

i actively track points transaction wise for these cards and check others when statement is generated
.