Here's an idea for all those with millions of miles: Offer to sell them back to the bank for less than they paid for them originally.
Getting 1.7 cash per mile is pretty good. I'd like to know how such a conversation would go.
CSR: Thank you for calling. How can I help?
Customer: Here's an idea to save you guys money. Remember all those bonuses you gave me? How about buying them back and then posting a higher profit for the quarter?
How many HUCAs would that take?