Originally Posted by
Dr Jabadski
You answered the question yourself: the opposite of what we optimizers and/or churners do. Carry a balance (so Chase profits on finance fees), miss or delay payments occasionally (so Chase profits on those fees), apply for 1 card once every 25 years (0 or 1 SUB), use that 1 card for all and high spend (no category bonuses), definitely not a customer who takes advantage of various benefits.
Perhaps I should have worded the question differently. How can someone be both a churner and a good customer?