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Credit cards allow consumers the ability to determine how they will pay for the purchases they make. There are no verifiable reports of Citi clawing back miles except in cases where charges forming part of the required bonus spend are later reversed (for merchandise return, etc. Customer service for a school credit union for Council Rock teachers for example, has consistently been ranked higher than local banks in terms of customer service. How do you use your credit card. So that borrower can protect himself from many fraudulent companies. I reiterate, they need to find features that would force Platinum cars holders to also hold Reserve cards.