Read the milelion posts

What I don't get with banks who put out these offers is - if they can put out something that can be seen by customers like us as gimmicky (and in this case borderline deceitful) - how do the banks expect us to trust them?

E.g. SCB (another Singapore-HK bank, perhaps not coincidentally) puts out a lot of gimmicky spending offers also. Parents said they need to axe some investment accounts as AUM requirements went up - should we axe SCB or one of the other banks. While the investment account is not maintained by the retail division their behaviour there influenced my recommendation to axe SCB.