Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Gigantic point amount on rewards card - what are potential consequences?
If you want to maximize your expected benefits, at minimal risk of financial repercussions or sleepless nights, I would suggest the following. Send an email explaining the situation, and announce that you plan to use the points if they do not advise otherwise. Here is an example message: Dear sir/madam, I recently contacted your helpdesk to mention that I believe my points   balance is higher than it should be, and I was told that I could   consider the extra points a gift. I assume that settles it, but in   case I am mistaken please contact me within 4 weeks. My customer   number is xxxx. Kind regards, Note that it is no problem if they don't reply, but you may want to push for a (possibly automated) confirmation of receiving your message.  I would not be surprised if they still reduce your balance sometime in the future, but you should be reasonably covered if they try to reclaim any points that you already spent.