I'm doing some research on credit card and customer retention practices. Has anyone here received a proactive offer from you credit card company that meets one of the following circumstances? 1. Your annual fee is about to come due 2. Your spend levels have fallen significantly or you've gone inactive 3. You recently made a large points redemption 4. Other bahviour changes What type offer was it? Extra points, a gift, a spend hurdle, etc? Thanks!