Two questions, please. (1) Is it possible to cancel the Ink card via secure message on the website? Would prefer not to have to talk to a representative. (2) I vaguely remember that a credit-card company recently e-mailed notice that paying for telephone service yields 5 points or miles per dollar. But I just could not remember which card that was. Does anyone know? I'm trying to find a substitute for Ink. Many thanks!