Silly question..I signed up for CSP 5 years ago and I've been reading that folks apply for the "other" card to get the reward, so in my case sign up for CSR to get the bonus, close the CSP then downgrade CSR to something else to avoid the AF? Is that what folks are doing to churn the Sapphire bonuses, or am I imagining things? Also, does rejection of biz cards have anything to do with personal cards? I got rejected for an Ink card a few days ago and don't want to rack up a "bad record"