The NY Senate just passed a bill for a 90-day grace period to redeem credit card rewards — Here's what you need to know.
due to inactivity, default or delinquency. As a result, you may miss out on redeeming rewards.
"Your points don't expire as long as your account is open, however, you'll immediately lose all your points if your account status changes, or your account is closed, for any of the following reasons," which include not making the minimum payment on your account within 60 days of the due date or filing for bankruptcy., sets out a new ruling that will allow New York State residents whose credit card accounts are closed or modified to redeem rewards during a 90-day grace period.
According to the bill, "the purpose of this legislation is to protect credit card holders from the unmerited cancellation of their reward points by creating a grace period for the use of reward points after the closing of a credit card account." The bill referred to one particular instance where, "a cardholder had just reached one million points which they had saved up for use during their retirement, when the issuer closed their account and cancelled all their points." The bill doesn't explain the reason behind the account closure.
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