I am - they shower me with goodies. Thousands of dollars worth over the past couple of years.

Okay, I realize they are a bank, and like any bank they will use any means necessary to trick and deceive in order to score later profits from me. I realize that the lavish gifts are part of the game, and people who play with snakes sometimes get bitten. But seriously, are they any different than any other bank? I know Citibank and Amex won't hesitate to use the same nefarious tactics than any other bank would.

Besides, one thing that I think most of us are very happy with here is the Marriott Visa in its current form. I like the fact that no annual fee for it will ever be a waste - I can always use a Cat 5 award night. Since they just rolled it out, I doubt they will change it.