Time to credit Qantas bonus points

[QF_Flyer]

I do not ask for pro-rata refunds because (a) I think we are already on a very good deal by insisting that the banks stick to the letter of the introductory offer and it seems churlish to ask for more; and (b) I worry that refunds would bring scrutiny which would then bring nearer the day they find ways to change their offers in ways that are disadvantageous for churners.

Same and I agree with this train of thought. I see the annual fee as a cost of obtaining the bonus points, if the bank has stuck to their side of the deal, then I feel like I should as far as possible - if these things get too expensive for the banks, the screws will be tightened.