I'm probably just paranoid, but at this point I've stopped assuming anything. When I open a new account (or my wife does), the first thing we do is send a secure message asking for confirmation of the SUB terms and the last date a transaction needs to post by to earn it. That way we have it in writing from them.

We did this even before they started with this whole discount pop-up jail thing, but I think it makes even more sense now because how are you ever able to prove you DIDN'T get a pop-up notice saying you weren't eligible. You can't prove a negative.