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No. of Recommendations: 5
If it's a marketing strategy, why do they ask if I want it? Just tell me I have it, and I'll be pleased!

But if they just gave it to you, they wouldn't know that you were engaged and responding to their marketing. If you have to opt in, they know that you have responded to their marketing, and that you were engaged enough to click to activate it. Then, if you have to go click on it, you are more likely to remember to use your card for those purchases. Plus, if they can get you to respond on their mobile app to activate the offer each quarter, they can count you as one of their "Active mobile customers" to their shareholders and the analysts, even if that's the only thing you do on the app each quarter. See pg 5 of their 2021 Q1 earnings presentation

As others have said - if you don't like the processes that the card uses, make another card where you like their processes better your primary card.

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