<prompt> Human: Is this common amongst credit cards with cash back ? I just cancelled a highly unused credit card with a 10K limit, to open up some debt ratio while getting a pre-approval, which the customer retention lady did not understand why I would even want to do such a thing to begin with...Anyways this certain Visa, has cash back, however it is only paid out in November. So if you had 1000 in cash back and cancelled in October you get diddly-squat. Seems entirely bogus to me, I would assume that money belongs to me regardless of what month it currently is. I feel kinda cheated.  <response>: Its probably in their terms somewhere... since its a reward its not your money until they give it to you... 