Originally Posted by
josephstern
Extrapolating from FT to the rest of the population is almost always a mistake. We come here to analyze and maximize. Most people get a card for any of a number of reasons, and then use it, and then ignore the details.
exactly. i consider myself moderately up-to-date on credit card min-maxing tactics, and yet when it comes to the Bilt's pseudo-SUB, the only thing i got out of my way to do was to pay that month's phone and cable bills with it. The earlier FTer who charged 12.5k to the card during the 5-day period has got to be an exception rather than the norm, I have zero doubts about it.
the majority of any credit card company's customer base is nothing like the typical participants of forums like FT or r/churning on reddit.