Originally Posted by
uppereastsider
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The algorithm doesn't always seem to make sense, as evidenced by the people with 6 figure spends or having the card for 40 years who are being offered 0.....
Makes sense to me. Retention offer is not an additional reward for past behavior. That person has already demonstrated a high statistical probability of renewing the card. The probability is not 100%, but it's high enough that allowing some to cancel costs less than retention offers year after year.