EVERY ONE SHOULD CUT UP THEIR CARDS AND SHOW THE BANKS THAT THEY NEED US!!! DON'T KEEP PAYING THESE FEES PEOPLE. i CUT MINE UP! NOW GO TO YOUR WINDOWS AND OPEN THEM UP AND SHOUT I'M MAD AS HELL AND I'M NOT PAYING IT ANYMORE, DO IT NOW AND TEAR THOSE CARDS UP TODAY!!!!!!!!!!!!!