The Artist Formerly Known as chiggins.
But that's not quite the analogy.
You can afford to have a nice lunch, but you don't get comped - you skip out on the bill.
Why would you risk the embarrassment and legal consequences if you can just put down the $20?
Why be willing to destroy your credit score if you can pony up for extravagant travel with a couple of Bezos grains of rice.
what embarrassment will come from accepting a welcome offer -- I only repeated one card out of 20
These companies were happy to land my business; the bonus they hand me is their "customer acquisition cost"
they are playing a game too -- they are counting on me not paying my balance and then charging me predatory interest rates (prime + 19%)
they are winning the game, bigly, but they don't go undefeated
as for credit score, I check it every 2 weeks (out of habit) and the trend is up....I'd buy shares in it if I could