Back on 2010-09-12, I posted here about some changes MasterCard imposed on me when my card came up for renewal. I recently got a letter from the bank I got my card through (Bank of Montreal) in response to the letters I sent—the ones linked to from my 2010-09-12 blah post.
I won't quote it verbatim; as tempting as that is, it would be a copyright violation. But here is my response, which I wrote and thus can republish as I please. I believe it stands on its own.