Originally Posted by drbond
Let me try to state it this way.
People go to jail for printing what you are asking!
Now I am not saying that you can't get some information or that there is things that are going to cause an exact response. I did state earlier that No One in the know can give you enough information for you to recreate the scoring formulas. First its proprietary and Second would cause the fraudsters out there to be able to commit a lot more criminal activity that they already do. YMMV
I am not asking for any formulas; nor have I ever asked for any. I merely wanted to ask a few questions that would enable me and other FTers fine-tune our churning. I am not stupid; obviously there are some questions that can be answered and there are some that cannot. The purpose of this thread is to understand and answer the former and perhaps identify the latter.
It baffles me that people are attacking me for doing this. I receive comments such as: "You just don't get it, do you?" If the "it" refers to understanding all credit card/banking, and economic knowledge in the universe, then no I do not get it. And if you would read the things I have written I am not trying to understand it all. But, what is the problem with identifying the issues that we can fine-tune e.g. understanding a bit more about this 30-day rule, or whether issuers will give out multiple bonuses etc.