I dumped the card at least a year ago and have never regretted it for a second. I rarely rent cars anymore, didn't want to pay to get points into an airline, and thought it had become a waste of $. The only "benefit" I used was a few lounge visits a year, and now I have a priority pass anyways (much more useful than the DC, and I bagged 2 airline club memberships). Almost all my charging goes into one of a few other cards, and all is good with the world. I was a DC member for years and years, and one of their biggest cheerleaders. When the slide started, I put up with it for awhile. Finally, I thought that $95 would be better spent on 3 cups of airport coffee.