...legitimate. "A customer who doesn't understand why this is happening may say, 'Why would you do this?"' said Maria Mendler, a spokeswoman at Citigroup, which has 90 million cardholders in the nation. "Once they understand what's happening...

...pitches to people who don't qualify. "We go out and determine who we think would qualify for the platinum," said Maria Mendler, a spokeswoman for Citibank, the nation's largest credit card issuer. "Otherwise, you've wasted mailing and...