I stand corrected. I only did two stays at Choice all of last year, and those were paid stays. I just tried booking a point stay and it did not ask for a CC and stated points would be lost if I was a No Show.

Still dismayed at the lack of power of Choice being able to actually get the properties to follow program rules, but I guess that will be pretty much the same for most the independent chains, Best Western, Wyndham, and the such. As they say, you get what you pay for...