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  1. tldr; Customers at American Express, JPMorgan Chase, and Capital One have accumulated $34 billion in unspent credit card points, but their value is decreasing due to inflation and dynamic pricing models. Points now buy less, with 100,000 Capital One points from 2020 worth about 82,600 points today. Airlines and hotels have increased the points needed for redemptions by 28% since 2019. Despite larger sign-up bonuses, the value of points remains around 1 cent each, leading to a decline in their purchasing power.

    *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.