This week, the general populace may have become a little bit smarter about this given the 9-12-16 New York Times article on this topic:
http://www.nytimes.com/2016/09/13/bu...fees.html?_r=0
(alternate link to same article:
http://nyti.ms/2cEmDHc)
Note the "5/24" rule mentioned in the accompanying NYT article:
http://www.nytimes.com/interactive/2...d-rewards.html
(alternate link to same article:
http://nyti.ms/2c6tFGQ)