I called customer service to request a replacement card. The CSR asked if I would like to have a Visa in lieu of a MasterCard card. He listed reasons as to why I might want to switch. After listening to him, I said no thank you I'll keep my MasrterCard. He said OK I'll send it right out to you. My new card cam with a new expiration date of 2005. I'm just curious as to why they are trying to switch everyone over to Visa.