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'the number of your earned points for a given time period is equal to the amount of your purchases minus the amount of your returns/credits.'

That was my question, does it show up as a return type credit or a payment type credit? 10,000 miles is a lot to lose, and I wanted to know if there was a better way of doing it.

My other options are another HELOC or a 1.7% cash advance from MBNA that expires in April. MBNA would deposit it in my checking account and I could pay Citi, but I couldn't pay it off by April, which would mean anither BT or loan. Both Chase and MBNA are insisting on a BT fees, and you lose your advantage by racking up the fees, but saving 10K miles is worth an extra $45.

Caution **MBNA rant**

I was glad to see that most of the Chase customers are pleased with the CS. I plan to replace my 18 year old MBNA card with the Chase, as they wouldn't consider extending the 1.7% beyond April, despite the fact that I got 2 offers this past week for 1.7 until July from them for other branded cards. They said I could open up new accounts to get the rate until July, but they couldn't offer it on my old card. My old card has no outstanding balance and a $39,000 credit limit. Who the heck needs that much on a credit card? I suppose things would be different if they made more money on me. Responsible use of credit does not mean good CC customer apparently.

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