I'm glad you guys are dedicated enough to work around the system for the Visa requirement. In my scenario, the risk (not getting the bonus because the folio is closed incorrectly) outweighs the rewards, so I cancelled ten upcoming nights at Marriott and moved to a Hilton property which was offering triple points (open to all, no credit card restrictions). Over $3k in hotel revenue lost for Marriott. Marriott did tell me Visa is sponsoring this promotion, so I guess that's one of the reasons, but they need to consider the ramifactions of these restrictive, targetted promotions.