I cancelled my IHG card this month, as I couldn't be bothered fighting to Creation over getting the annual fee back/the free night certificate. Now they've produced my statement they've wiped out all the points for my spending too. Seems a bit extreme given they don't give a refund of the annual fee either - means if you want to cancel and avoid the annual fee you also can't spend in the last month of your card year despite the fact they won't give you a refund either for the fee they effectively charged you for that month. It's crazy IHG put their brand on this card.