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This week's question of the week.

Should I split a points transfer into smaller buckets?

Keith writes, I tried to transfer 560,000 points to Air France to snag a redemption.

I had previously transferred about 280,000 points from Amex to KLM.

I thought for sure the points would have similarly come through with Chase.

Sadly, the points took four days to transfer, and I missed my booking window.

Looking back, should I have spread my point transfers across different currencies to lower the transfer risk?

I could have also covered the transfer using Capital One or Amex points.

How do you balance speed with lowering the risk that your points will miss their intended purpose? All right.

So what happened here to Keith is Keith tried to transfer a large number of points, 560,000 points to Air France, KLM.

And the transfer snagged up for some reason.

It took four days. Normally transfers to Air France,

KLM, Flying Blue, are instant from all of the transferable currencies. But for some reason,

in this situation, it took four days. So Heath is essentially wondering, is it because I transferred

this huge chunk all at once, the 560,000 points, did that trigger some

sort of a manual review that I could have perhaps sidestepped or avoided by transferring 100,000

points each from five or six different transferable currencies or whatever the case may be?

So my answer to Keith here would be, no, I don't think that would have helped. I think that

this is just bad luck. And it's not common, but we do hear about this kind of thing from time

to time where a transfer that ordinarily is instant from, in this case, it was from Amex, I guess,

...