Also, what are the chances of this 5/24 rule blowing up in Chase's face? Like, do Citi and Amex become super popular amongst churners with some possible new products coming online to replace the void that Chase has left in the market? Does the effect on their market share ever get bad enough that they have to come crawling back to the churners to ask for forgiveness, in way of bomb-ass cc bonus offers? It's probably a fantasy, but it's what keeps me hopeful for my churning future. Right now it looks grim, and boring.