Originally Posted by
moondog
Disagree. Properly vetting and explaining (in plain English) promotions they devise is their own responsibility. ...
It appears Citi did an excellent job of that, given that they papered America with mailers for a decade but only "hundreds to low thousands" of people ended up getting shut down by AA for abuse. It appears ~99.9% of the people who received mailers properly understood them not to be "semi-targeted" at all.