Many credit card relationships don’t end with a dramatic cancellation. They fade quietly.
This is what’s often called “silent churn.” A customer opens a new account, maybe drawn in by a sign-up bonus or an attractive APR. They make a small purchase. Then nothing happens. They never redeem a point. They never explore the rewards portal. They never add the card to their mobile wallet.
On paper, the account is active. In reality, loyalty has already disappeared.
....