There are various retention bonus threads in the card issuer forums, but I had a general cross-issuer question:

What's the general though process on cancelling a card AFTER given a retention bonus?

Does it change things for you if it was a fee-waiver or points? Immediate bonus or after a spend requirement/challenge?

On a premium card, I was given points on the phone not to cancel a couple months ago... and the more I think about it, the more I still want to cancel... obviously this can be abused...

Just wondering people's opinions both ways, also actual experience - did the CC company "black list" you? Claw back credits/points (assuming you didn't lose your points - i.e., other open cards or transferred out)?