How Banks Can Use Early Loyalty Metrics to Prevent Credit Card Churn

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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. ....