MBNA CC Question

[lucia1024]

I just got my credit card and was wondering about accumilating points. I understand that you get 3 points for every $100 spent. My question is what happens if you purchase an item and the points are credited to your account, but then you decide to return the item.

 

Do they just take the points away that you earned from this purchase?

 

Does anyone know how this works? I just started using my card for some of my monthly bills. It a great way to earn points for items that you already have to pay monthly.

 

If anyone has some other ideas of earning points, I would love to hear about it.

 

Thanks to anyone who can help me with my questions.

[x2tpd]

When you return they adjust the points on the next statement.

[mbisson]

Yes, if you return merchandise they will deduct the points that were earned from the purchase.

[hls74]

Not only that, if you purchase something from someone who works on commission, they generally have what they earned taken out of future sales. Even if you got to keep the points, it's generally not a nice thing to do.

[cliffd64]

Not only that, if you purchase something from someone who works on commission, they generally have what they earned taken out of future sales. Even if you got to keep the points, it's generally not a nice thing to do.

 

 

Huh? What does that have to do with MBNA rewards program? :confused:

 

Furthermore, whenever I purchase an item, if I am unsatisfied with it I am entitled to return it, regardless of whether the person who sold it to me is on commission. I'm not going to keep an item I do not want so that some salesperson gets to keep their commission. Frankly, it's not even a consideration nor should it be. :rolleyes:

[ron46936]

I am a fanatic about getting all the points I can. I often shop at Sam's club which doesn't take Mastercard. but Walmart does. So buy gift cards at Walmart and use them at Sam's. Also if you need a lot of points just buy several $1000 gift cards and watch the points add up. The gift cards make great Christmas and Birthday presents.

 

All of my bills which allow it go to my NCL MAstercard. It cuts down on the number of checks we have to write.

 

Ron

[ron46936]

I am a fanatic about getting all the points I can. I often shop at Sam's club which doesn't take Mastercard. but Walmart does. So buy gift cards at Walmart and use them at Sam's. Also if you need a lot of points just buy several $1000 gift cards and watch the points add up. The gift cards make great Christmas and Birthday presents.

 

All of my bills which allow it go to my NCL MAstercard. It cuts down on the number of checks we have to write.

 

Ron

[ute_fan]

If you need someone to take one of those $1,000 gift cards off your hands, I'd be happy to send you my address :D .

 

We got our MBNA card last year, and in one year's time accumulated 986 points -- so I just barely missed the 1,000 point maximum. Just a few of our suggestions, if they apply to you:

 

Any bills which will accept MC payments --- sounds like you're already doing that one

My kids college tuition -- I might as well get something for it too!

My in-laws don't have a credit card, so we put a bunch of purchases for them on it, and got the money from them to pay it off immediately

Business travel & seminar fees, groceries, gas. I'm trying to use it instead of my debit card whenever possible. I actually transfer the amount of my purchases once a week to a savings account and then the funds are set aside to pay the bill when it comes.

 

Also, remember that if you're charging NCL purchases, the points will be 4% of your purchases rather than 3%. We were able to earn 500 points by February of last year, sent for the certificate and applied it to our May cruise. Worked great!

[lucia1024]

I am a fanatic about getting all the points I can. I often shop at Sam's club which doesn't take Mastercard. but Walmart does. So buy gift cards at Walmart and use them at Sam's. Also if you need a lot of points just buy several $1000 gift cards and watch the points add up. The gift cards make great Christmas and Birthday presents.

 

All of my bills which allow it go to my NCL MAstercard. It cuts down on the number of checks we have to write.

 

Ron

 

Thanks for all of your suggestions. You gave me some clever ways to help the points add up. I think the Walmart gift card is a great idea. I will try that one.

 

Now if I can find some family members that I can purchase things for and get payment right away, that would be great.

 

Thanks All!

[hls74]

To explain my previous post - Of course there is nothing wrong with returning a purchase if you are unhappy with it. However, the original poster was asking for "tricks" to earn points, and was considering making purchases and rturning them for the sole reason of earning "free" points. It is quite unethical to make purchases with the intent to return it in an attempt to score some "free" points. If you do this to someone working on commission, you are not only doing something unethical (stealing - the points, that is) but you're being very unkind to that salesperson, who most certainly will have his next paycheck docked to account for your return.

[shoreguy]

If you do this to someone working on commission, you are not only doing something unethical (stealing - the points, that is) but you're being very unkind to that salesperson, who most certainly will have his next paycheck docked to account for your return.

 

But they got paid for a sale that someone had no intention of keeping - not a lot of work there and they got free money until it was returned.

 

Always easy to accept free $ always more difficult to give it back :eek:

[weloverunning]

We charge our car insurance to our credit card as well. That in itself is $4000 per year. We are going on our November and January cruises on the Jewel compliments of MBNA and/or NCL. We already have another $600 built up. I am sure with our upcoming cruises at 4% (purchases and casino) we will get both of our cards up to the $1000 max by our anniversary dates. Would love to hear what else other people charge. I don't think our utilities take charge cards yet.

[shoreguy]

I put two kids thru college on my CC. No faster way to max out the points.

[Mekamax]

While Dad was in the hospital this year we redid the interior of his house - new carpet, floors and new mattresses and then put a new roof on it in August - put the points toward our cruise in Dec...:) :)

 

We charge everything - gas is adding up quick now - on the card and pay it off monthly.... Debbie

[alliem]

I have a question - we just got the NCL CC and am using it for everything. I know you can earn a maximum of 1000 points a year - but do they expire in a years time also - if not do they ever expire? Thanks

[shoreguy]

I have a question - we just got the NCL CC and am using it for everything. I know you can earn a maximum of 1000 points a year - but do they expire in a years time also - if not do they ever expire? Thanks

 

They expire in 3 years.

[gary]

Use it for Dr. visits, hospital stays, tests and exams etc...If you have health insurance and know that you will get reimbursed, you actually accumulate quite a few points without spending a dime. Example:

 

$8000.00 hospital bill put on card gets you $240.00 on NCL

 

Get reimbursed from ins co. all but your deductalbe. Mine is $500.00

 

Result is $240.00 on NCL for $500.00 in spending that you would have had to pay anyway. It is only do-able if you can afford to put out the initial $8000.00. You never know if the insurance company will reimburse you before your MBNA bill arrives.

[Big Al B.]

As ShoreGuy said, they expire in 3 years, but once you order the certificate, it expires in 1 one year. I was very pleased with the service I got this year when I ordered my certificates ($500 in July, $500 in September). They both arrived within the 7-10 business days promised.

[alliem]

Another question - you can only rack up 1000.00 points a year - is that a calender year? Or is it from when you first get your card? Thanks

[immargaret]

It's based on the first full month of charges I believe, not the calendar year.

 

:)

[hotspur]

It's based on the first full month of charges I believe, not the calendar year.

 

:)

Thanks, immargaret. That's the one unanswered question I had. And, as others have pointed out in other threads, you can get around the $1000 annual maximum by getting a second card.

 

The NCL card really seems to be one heckuva deal if you're a frequent NCL cruiser.

[immargaret]

We have 3 cards in total and they are well used.

 

:)

[hotspur]

And, as others have pointed out in other threads, you can get around the $1000 annual maximum by getting a second card.

For clarity's sake, let me add that I meant a second (or third!) card with a different account number.

[gary]

I spoke with MBNA yesterday and they told me that they have changed the earning year period from your anniversary date to a calender year. I am skeptical as I have gotten faulty information from MBNA before. I will call again and if I get the same answer, I will ask them to note it in my records that I have been told that it is a calander year now.

[alliem]

That would be wonderful if that is the case - I have several large purchases to make before the end of the year and then I can start earning again January 1! Thanks for the info!