FWIW I agree with the content of your OP, [MENTION=78373]RNE[/MENTION], even if the title was changed. As for the title itself... I think it points to the need for an additional term alongside "creditworthy". I suggest "bonusworthy". Many customers are creditworthy, in the sense that their risk of default is low and in normal usage they will generate profit for the issuing bank, but perhaps not bonusworthy, in that they churn cards well before the bank is likely to recoup the cost of a generous sign-up offer.