I like the changes they've made where I can now redeem all my RDs if I wish, instead of redeeming them in increments of $25's. Since I have zero balance every statement cut, I was pleasantly surprised that RDs from last month can be redeemed in full so I don't have 'orphaned RDs' below $25. Hopefully, the next change will be current month redemption of RDs just like CitiDC, that'll be wonderful : )