Whilst I do understand that every company must evolve, it does seem a significant change that to earn payback it is no longer a requirement not only to have an active SIM but to have used it within the past 3 months in order to qualify, so it is surprising that it has not seemingly been discussed or announced.
I must confess that I find your post raises to me more questions than answers, all the more so as there are no T&C's to fall back on to aid understanding.
My first and most fundamental question is what is meant by 'used'.
Is it sufficient to have visited the site, or is it necessary to obtain an energy or insurance cost comparison or credit report, or indeed to purchase a financial product as a result of visit the site?
When does the member become eligible for payback? Is it from the date they make an action which is defined as using the site, or from the start of the payback period , and how long does entitlement last ?
Must an action have been made within 3 months of payback to bring it in line with the activated SIM or are the terms for 'using' the Money site more favorable?
If a member has built up payback, and 'uses' the Money site in February, but ports our in say March, will they be considered eligible for the payback for the entire period as they have fulfilled eligibility criteria throughout, or lose the payback from the start of the period up to the date they 'used' the Money site?
As you can see the definition of the word used
is fundamental to the understanding as to how this new requirement is to be understood, and if not clearly defined will result in many disputes.