Citi must really hate all these internet data point reporting.

Still its a heck of a lot cheaper keeping a customer than finding new ones.

Even flagship card holders revolve interest bearing balances about 10% of the time.

As long as their overall baseline probabilities for handing out cookies, rather than a super micro assessment (of the specific cardholder, ignoring any pool effects) it would be logical for them offer retention overall, even though FTers often know how much we can extract from an issuer.