@Remedios wrote: Let me get this straight...You're aware of their "rules", you know there are exceptions, you had nothing to indicate they were willing to bend the rules in your case, they deny you to prevent churning, then you complain that churning is getting harder while denied for that exact reason?
That does not fit under "removing benefits", that's a loss prevention.
Yeah, garden. Or Amex.
Exactly, Remy 
@Anonymous wrote:
@Anonymous wrote:Churning is became harder and harder. 😩
Thoughts?
You'd get no sympathy from me regarding churning...if you look at it from the other perspective, churning is the reason why lenders are reducing/restricting benefits.
+1
Well said. I also don’t blame the banks at all for their policies. These very generous SUBs we have now have not always been so common, for those of us with many decades of credit. It’s a shame that churning could ruin a good thing for the general population because of the excesses and greed of a few. Those SUBs are provided to try to entice new clients and build business. IMO, applying for multiple cards year after year for accounts you have no intention to keep or with banks you don’t plan to give further business is simply abusing the system.
Ironically, OP posted about another churning complaint at link below. I thought trying to complain to CFPB over decline for churning was brash, to say it diplomatically. Unreal to say the least. 
“They showed pre-aproval for Bank of America Cash Rewards and I applied and denied. Tried to recon, nope. I submitted a complain with CFPB since I wasted a hard pull and to their credit I was over 5/24. It is getting hard to get approved for churners.”
Dude why you churn poor little CF for? Find some big boys to slap around! 
@Aim_High wrote:
@Anonymous wrote:
@Anonymous wrote:Churning is became harder and harder. 😩
Thoughts?
You'd get no sympathy from me regarding churning...if you look at it from the other perspective, churning is the reason why lenders are reducing/restricting benefits.
+1
Well said. I also don’t blame the banks at all for their policies. These very generous SUBs we have now have not always been so common, for those of us with many decades of credit. It’s a shame that churning could ruin a good thing for the general population because of the excesses and greed of a few. Those SUBs are provided to try to entice new clients and build business. IMO, applying for multiple cards year after year for accounts you have no intention to keep or with banks you don’t plan to give further business is simply abusing the system.
Ironically, OP posted about another churning complaint at link below. I thought trying to complain to CFPB over decline for churning was brash, to say it diplomatically. Unreal to say the least.
“They showed pre-aproval for Bank of America Cash Rewards and I applied and denied. Tried to recon, nope. I submitted a complain with CFPB since I wasted a hard pull and to their credit I was over 5/24. It is getting hard to get approved for churners.”
The OP was abusing the CFPB system? Well that is surprising. Seemed so unlike them.