We should see this change by summer of 2001. If you have ordered a credit card for a special feature or one that carries a low interest rate that is fixed for life, be sure to keep the original solicitation and terms and conditions page stating those facts. Often a bank can change interest rates or not honor certain features if sold to another new bank. You'll have the proof to resume to the original terms with that paperwork. The same applies for fee-free checking accounts.
Some banks get amnesia.
Many are finding that close-outs from retailers offer great buys. Internet companies are finding this a great way to rid themselves of buyer goofs and other items in a way that won't hurt their catalog or traditional retail pricing. Also, review all details of the company refund or return policy if something is wrong with your purchase. Look for companies that allow you to return the item to a traditional store and avoid companies that charge a restocking fee. One of the largest consumer frauds in U.S. history has been leveled against Providian - a financial institution and one of the largest issuers of credit cards.