The success of Chase's and Amex's premium offerings has attracted fresh competitors to the field. Alongside Robinhood's Platinum card, Citi introduced the Strata Elite with a $695 annual fee. Its launch last year faced setbacks due to application system errors leading to numerous account suspensions—yet it has gained traction regardless.
Currently, this configuration is reversing. Human expertise concentrates initially—establishing objectives, investigating alternatives—and finally, confirming results. The intermediate implementation phase, handled by automation, becomes swifter and more streamlined.
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