Hi Mr. MA (same name as a Chinese teacher who was a friend and mentor or mine 40 years ago).

One small but important correction: you do t have to give up your u it’s miles to give up your chase card. Miles still accrue for flights, but not on other credit card purchases. You can of course go with another company that earns you miles on various airlines - Capital one for instance.

The other stuff on Banks - I’m not at all happy about them Corning the housing market. A renter society in hawk to banks sounds dystopian to me too!