Rakuten cancelled my tsumitate...

[beanhead]

Anyways, what sucks now is the only way to make the most use of my 1.2m tsumitate for the year is to set massive bonuses with the minimal tsumitate payment (100 yen per fund per month), meaning I get essentially no points on my credit card

As discussed elsewhere, they have screwed around with the points for investing so much it is not worth worrying about. eMaxis Slim and other low-cost funds only get a few points now. The ratio for the new Rakuten funds is a bit higher.