Agreed. But those offers are circulated (stated) prior to application and approval. Are you familiar with any different/random/individualized/customized/cost-cutting offers that are stated AFTER approval?

So many sarcastic/snarky/caustic/inappropriate replies (to Bilt, not to yitianjian), so little time . Suffice it to write that we shouldn’t believe anything a USA business states, much less a financial business, much less a credit card issuer, much less a frequent flyer/loyalty program, much less a new loyalty program with an arguably unsustainable business model.