Originally Posted by
forextrader
You're quite paranoid about this - to restate - we churners are a tiny tiny percentage of customers CITI must deal with. Reps will handle hundreds of calls relatiing to late payments, missing payments, unknown charges, and a host of other more typical credit card related matters.
The churn wont go away - but it might have become somewhat more restrictive. And as there is no Citi webpage for any of us to read regarding the rules for applying for credit card, there is only one way to try and discern them - by calling and collecting evidence from different peoples experiences.
Look for example the US Mint coin thing - there is some serious exploitation going on there (long threads here and on Fat Wallet and I am sure on other forums). Yet folks are not paranoid about discussing their different experiences as to how many coins they can get - I mean I know people are going into banks with $5000 + of $1 coins. That is not exactly flying under the radar, is it?
I used to be like you, but with the economy going south all companies are looking to fix loopholes. Over the recent year, there are so many opportunities to get miles that have just disappeared. One is the Chase which affected UA and BA. Then there is the AMEX checks. DL's merger with NW has taken away US Bank and US's decision to go with Juniper/Barclays has taken away BofA.
Calling a regular agent may not raise a flag but calls to the supervisors will as they are much smaller in number and their opinions will be highly valued by senior management. Is it so difficult to track your applications to ensure you apply every 61st day? Those who do bumpage can also check their appl dates there (even bumpage is on the verge of disappearing).