Yes PG, thank you. I noticed this morning that they had "updated" once again. It seems after the initiation and excellence at first, it has been a long, slow but steady ride downhill. Every change has been negative as you say, and increasingly less frank in their manner as well! "We are splitting points!" as if it were a stock split or something and created value for the user, which of course is also of little to no value anyway! This appears to be largely directed at their VISA users which have been generouslt treated up till now. Ironically I was just looking to apply two days ago and now of course I likely wont bother. On the brigher side though, it's free and the site does work.

BTW- A Visa/MC forum would have perhaps helped somewhat for your post, eh? Soon!