The world was a very different place when the optima was discontinued. The card act, the visa/mc settlement, a whole new regulatory body, a jobless recovery, a vanishing middle class, the emergence of an information economy...even the credit card companies don't know what they are going to do tomorrow. No matter what happens, your zync will continue to function for a while. Most people expect some big changes from Amex in the next year. The newest settlement will likely accelerate those changes, as will aggressive moves by chase and citi. My guess is that a wholesale revamp will make what happens with zync a drop in the bucket.
