Originally Posted by
Schnit
None of those are feasible.
Firstly majority of people only have 1 card, so this is a very tiny issue.
Marriott wants breakage because then they got the money for it without you utilizing the benefit.
Lastly, there are plenty of uses for certificate. If you want one with no cap switch to Hilton. You signed up for the card knowing what the point cap was. You used to never be able to top it off. If you dont like the benefit cancel the card. Vast majority of people clearly find value in these certificates or else people wouldnt have the cards
You're right that #3 and #4 are unreasonable since they want breakage.
I'm happy top-off is offered and not suggesting they change it.
However #1 is feasible and reasonable. Is it really impossible to issue a 54-week or 56-week certificate instead of 52? It would be in the spirit of the FNA since practically speaking, you don't really get the whole year as advertised.
I don't know if #2 is unfeasible, but it seems reasonable. It would not change effective breakage, since you can achieve it today by canceling and re-applying at the right time. Offering this would lessen the chance someone leaves Marriott in the hiatus. If you opened a card 10+ years ago with a cemented anniversary date, this is the only option to fix it.