In 20Q1, mailed credit-card solicitations totaled 931 million. They collapsed to just 352 million in 20Q2, but by 21Q3 recovered and hit 940 million. Better yet for consumers, cash-back card offers hit 1.11% during 21Q2 and 21Q3, their highest level since at least 2010, while miles/points offered rose to 1.2/dollar spent, their best level in over a decade, all to find top cardholders, those with good FICOs who carry balances.