I cashed in my points in October and closed my account. I din't like how they were play around. Funny note; I asked for a letter that said my account was closed, and they didn't even know if they could do that. I had to explain, that since my credit card was tied to Air-Miles and cash transactions were involved, that any financial institution would give a client a letter saying their bank account was closed. Finally they decided to at least send me an email stating it was closed. No one should have to explain to a business that they need a letter stating their account is closed to prevent possible fraud going forward since a credit card was tied to the account..