(My medical career spanned the time from “it makes sense and that’s the way we’ve always done it” to “evidence based medicine”, I now view many things that same new way.) Agree that absent a SUB, churning is pointless.

There’s a dearth of evidence and/or statistics regarding the number or percentage of new Bilt cardmembers who get the quasi-SUB and regarding churning Bilt MC. Based on following this thread very carefully for the past year and my extensive research for an accurate and thorough Wikipost, my estimation at this time is that most people do receive the quasi-SUB offer.

Please refer us to available datapoints regarding Bilt quasi-SUB and churning Bilt MC.