I recently cashed in 20,000 Mypoints for Honors points because of a disturbing D&B report that landed on my desk one day. Someone was doing a credit report for MyPoints and they had nothing at all nice to say about the company. Seems all suppliers were reporting them as delinquent on their terms and that they had a negative operating capital. I know credit reports can be wrong but D&B is a pretty reputable firm. I cashed in my chips and will now cash them in every 1,000 points so I don't end up being a big loser!!