I received the following offer by mail from NIH Federal Credit Union to open an XXXX XXXX credit card account : " {$150.00} Cash Back Bonus - Spend {$500.00} in Net Purchases ( purchases minus credits and returns ) within 90 days of account opening and earn XXXX Bonus Points that can be redeemed as a {$150.00} cash deposit to a checking or savings account or as a statement credit to your Card account. The account open date is listed as the effective date in your Cardmember Agreement. Bonus Points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend. '' I applied for the credit card online on XXXX XXXX, XXXX. Elan Financial Services issued the XXXX XXXX Card to me on XXXX XXXX, XXXX, as indicated on the Card Agreement. I spent over {$500.00} by XXXX XXXX, XXXX. According to their offer, I should have been awarded the Bonus Points by XXXX XXXX at the very latest. However, I have not been awarded the XXXX Bonus Points yet. 

I called the telephone number on the back of the credit card several times to inquire why the promised Bonus Points were not yet credited to my account. I spoke to at least XXXX representatives who confirmed that I met the terms of the offer and would be awarded the XXXX XXXX. However, I was told that the 6 to 8 week period does n't start until the XXXX spending period ends, contradicting the offer printed above that states that it starts " after you reach the {$500.00} spend ''. On XXXX XXXX, I was told I would receive the points in 10 days. Today, I spoke to a representative who told me that the previous representative was wrong ; it will take 14-17 days. Then a supervisor contradicted her employee by telling me that they have 10 to 12 weeks after after the 90 day period so they do n't have to award the points until XXXX XXXX, XXXX, again clearly contradicting the terms of their offer. 
