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By that assumption, let's say I have $90 in rewards points, and I use them on something that's $300, then since it reduces the subtotal prior to finalizing the purchase, I would only get 210 points from the transaction (420 if double points), correct?
I have about $130 in birthday/holiday money, and $80 in rewards points, and with my nice raise I figure it's time to bite on the Sandcrawler, so I can get it for about $100 out of pocket and get 440 points for it (and the residual points after using these puts me right back at 500 points/a $25 reward).
Basically I'm spending $100 out of pocket and will have $25 in rewards points after it's said and done. Seems like an okay deal to me.
I'm the same way with gift cards, where I'll dither over spending $25 free bucks more than I would over spending $25 of my own cash.
Real trouble is there's not much I want in terms of exclusives and I always feel it's a bit of a waste to spend it on retail sets when they'll go down 20% or more eventually at a different store.
No VIP points for the "Painting Easter Eggs" sets!
The didn't have a sale price on the box, but the shelf had a "Sale" tag.
Now I'm annoyed, I braved the mall on the weekend for nothing :).