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Also, you'll be amazed at the things credit card companies will do to keep you as a cardholder. If all else fails, tell them you have a better offer elsewhere and threaten to leave. If you have had the card for a long time, you don't necessarily want to cancel, as you want to keep the age of the account. But just because the account is open doesn't mean you have to use it. Remember, credit card companies make money off the interest you pay on balances you carry; so simply don't carry a balance if they don't give you what you want!
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My credit card company is doing the switcheroo -- they don't feel they need to give me what I want because I do not carry a balance! I want my 25-day grace period that I had before MBNA was purchased by Bank of America. I want the original terms and conditions agreement I had when I first received my card.
Even though my credit has improved (I have a great mortgage, great rates on my cards), the terms and conditions agreements get more restrictive and anti-consumer, and I'm getting convinced this is a backhanded way of the banks telling me the customer not to use their cards.