Before i hung up on the agent, he told me in his chipper voice that "if i change my mind i have 90 days to re instate the card"
But whatever, I don't need to do business with a bank that is clearly in the wrong. I have sent them the letter for review, if they would like to contact me about it and try to work it out, i am listening, but the ball is in their court.
I am not expecting anything to happen.