Personal Finance

MBNA Smart Cash MC: New card design!

Deal Guru
User avatar
Feb 24, 2008
12440 posts
3557 upvotes
Gatineau
joey1234 wrote:
Dec 7th, 2012 2:59 pm
my last few purchases it was the reverse.
+1. I believe the end of November/Early December purchases have been the exception to this rule. Since this is the period where the change from 3% to 2% was to occur, there were most likely system hiccups that resulted in the cashback we were not supposed to receive.

djino
Member
Aug 24, 2008
444 posts
217 upvotes
Victoria
crimsona wrote:
Dec 7th, 2012 2:37 pm
It has always looked at the posted date, not the transaction date - this isn't a TD thing as it's been around for years. It's a double edged sword since you can buy things before the start of the month, but you lose points on purchases made at the end of the month
These transactions counted towards neither months limit. Not one or the other, but neither...
Newbie
User avatar
May 8, 2008
44 posts
4 upvotes
shopper-X wrote:
Dec 6th, 2012 8:35 pm
Almost the same:
Statement: 24th
Cheque Issued: 27th
Cheque Received: 6th
My statement date was 10 days earlier but the date of the cheque and the date received were the same. They must have a day (27th this past month) when they print all the cheques that are needed
Statement: 14th
Cheque Issued: 27th
Cheque Received: 6th
Deal Addict
User avatar
Aug 1, 2008
1535 posts
67 upvotes
cajon wrote:
Dec 7th, 2012 8:26 pm
My statement date was 10 days earlier but the date of the cheque and the date received were the same. They must have a day (27th this past month) when they print all the cheques that are needed
Statement: 14th
Cheque Issued: 27th
Cheque Received: 6th
where do you guys see the cheque issued date?
I feel the need... the need for speed.
Newbie
Aug 28, 2012
41 posts
6 upvotes
Vancouver BC
I don't mind the 3% dropping to 2%, sure it's a percent but something I coud live with. What I can't stand is having a cap at $1250/month for redemption of the 1%. What sense does that make? Instead of paying for bills with one card, you're forced to use an alternative because you'd get nothing in return pass the $1250 limit.

If you want to save 20% at www.blackmarkers.ca , send me a PM!
Deal Fanatic
User avatar
Jul 12, 2003
5992 posts
151 upvotes
Markham
Rewards Overview
Total available points: 4,924.04



Balance as of 12/04/2012: 4,924.04
Activity from 11/04/2012 to 12/04/2012:
Earned: 2,456.93
Redeemed: 0

View Detailed Points History
Pending Points:Click here for a definition 275.99



My question is.....am I already getting a $50 cheque soon with the 4924 pts + 2456 pts? or that 2456 pts is counted inside of the 4924.

I just want to stop collect pts in this card after I have enough for my next $50 cheque.

Thanks in advance.
Retired Forum Moderator February 2009 - June 2015
Deal Fanatic
User avatar
Nov 19, 2004
6398 posts
561 upvotes
Cambridge, ON
MP3_SKY wrote:
Dec 8th, 2012 2:53 pm
My question is.....am I already getting a $50 cheque soon with the 4924 pts + 2456 pts? or that 2456 pts is counted inside of the 4924.

I just want to stop collect pts in this card after I have enough for my next $50 cheque.

Thanks in advance.
I think your "Total Available Points" is what you currently have at that moment from all posted transactions. The earned points is as of your last statement. So you have 4924 points in total and will need another 76 points before getting enough for a $50 cheque.

I went through the same question a month ago as I tried to figure out where I was at since I plan on not using this card anymore once I get enough for a last payout.
Sr. Member
Oct 21, 2012
737 posts
100 upvotes
Toronto
total points includes Earned and previous balance but not pending points. So with 276 points pending you will have enough when the points become earned.
Deal Fanatic
User avatar
Jul 12, 2003
5992 posts
151 upvotes
Markham
joey1234 wrote:
Dec 8th, 2012 3:02 pm
total points includes Earned and previous balance but not pending points. So with 276 points pending you will have enough when the points become earned.
So now I have
4923 + 2456 already in pocket and the 276 will add to that 2456 category in few days...

Basically I have another 2500-2600 pts already even after the $50 cheque.
Retired Forum Moderator February 2009 - June 2015
Deal Fanatic
User avatar
Nov 19, 2004
6398 posts
561 upvotes
Cambridge, ON
MP3_SKY wrote:
Dec 8th, 2012 3:20 pm
So now I have
4923 + 2456 already in pocket and the 276 will add to that 2456 category in few days...

Basically I have another 2500-2600 pts already even after the $50 cheque.
No, you have 4924.04 +275.00 pending points.
Member
Feb 4, 2007
434 posts
5 upvotes
Toronto
Are points earned on transaction date or posting date?
Sr. Member
Aug 29, 2010
918 posts
132 upvotes
Haven't followed this for a while, so is the Capital One World Cash still be best replacement for this one? I've got quite GCs for Gas from SDM, so won't spend much on gas. But need to pay around 3K in Jan, I didn't upgrade to World version, so I'm not using it over 1200.
Or just use my Amex gold reward?
Any thoughts?

Edit: I recently applied Sears CC(black Friday), will I be qualified for the World Cash(meet all other requirement and I'm sure I have more credit limit as I lowered my MBNA limit)?
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