Deb R. It's not just you. The extra benefits attached to credit cards are disappearing at an alarming rate. These days, when you get one of those envelopes saying there are changes in your terms you really do need to read all the mouse print. Things like extended warranties, and even rental car insurance cannot be counted on to be there forever.

Card companies are realizing they no longer need to offer great terms as the use of cash is getting less and less. Last year Chase notified me they were raising my rate by 4%! In one shot! I was already getting a very good rate of 11.25%, but when I called to complain they said my new rate was still their lowest, and that many of their other customers paid much more. I closed the account that day and soon found a card at only 10%.