How to lose business:

1. Announce you are terminating auto-pay discounts for credit card customers.

2. Give BS excuse about "irresponsible CC users" as the reason.

3. Deny that debit cards are more likely to be denied due to low bank account balance.

4. Threaten my account when I call out your BS.

5. I terminate add-on services, now just on base service.

There, now you're making LESS money for your policy change because you couldn't give a valid reason for it.