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What if bank is talking a lot of time in crediting points ?
After following this, I get the points within 5 business days. So till I reach accumulated 40k spends, I'll wait for the reward points to credit before making the next transaction.

Another thing I read in TF is that even if you do the transaction in previous month and got the reward points in the next month. The rewards points will be considered for next month and not previous. This happens for transactions usually done in the last week of the month.
 
After following this, I get the points within 5 business days. So till I reach accumulated 40k spends, I'll wait for the reward points to credit before making the next transaction.
I guess you are using master card

I've been waiting for points for a 50k txn on Visa since Jan 2
😵😵
 
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