I also think most Americans do not watch their CC bills as closely as your average flyertalker. If we see a charge on a card we never use, we're going to notice (since it should be at $0), and if we see a charge on the card we're currently meeting the spend for, we're going to notice (as we're watching for when we meet the minimum).


The average American is going to glance at their bill at most, so it's helpful to know they should be watching more closely for a little while.