Well, Wells Fargo just turned its Reward Program into a ripoff operation. Just got my June 2009 credit card statement and it announced that 2,843 points had expired last month and that 510 more would expire this month. But there was nothing on my last month's bill about points expiring. Now, I knew that I been repeatedly told that I had some points expiring December 2009, and planned to redeem those before then, but Wells Fargo saw an opportunity to steal back some promised benefits. Turns out they snuck some small print into the April bill about changing the expiration from 5 years to 60 months, and rather than wait until points would expire anyway decided to schedule it for mid-year. And the bank didn't think it necessary to point out that this meant points would be expiring sooner than it had previously said. Full page ads in the bill urging me to earn points, but nothing about the upcoming loss of six months worth of points until after they'd cancelled them. Thank you, Wells Fargo!