Ask a Law Librarian: FAQ's about Legal Research

General Business Law § 520-e Grace period for use of credit card reward points may apply in this situation. New York's General Business Law, Article 29–a—Unauthorized or Improper Use of Credit Cards and Debit Cards (§ 511 to § 520–e) may be helpful in credit card disputes. The Consumer Financial Protection Board (CFPB) maintains a database of credit card agreements that be helpful in researching the terms of a credit card agreement.

You typically lose your points unless you transfer them before your account was closed. If they are cobranded cards, for example a Hilton points card, the points will be held by the company that co-branded the card. See article Your Closing Your Account, Where do your points go? linked below.