You're very lucky Jim. I wish I was that fortunate. I certainly understand why the card companies are doing it and I understand why TD Bank is doing it in this case. This was one of the few cards, that had absolutely no fees - no overlimit fee, no late. There was a finance charge, but that's no big deal. I've decided I'm going to make a large payment on this card and just use it for gas. Since I'll continue to get 3 points until June 20, I might as well continue to use and then use my points for something nice.