I had a BoA credit card with elite rewards program and had accrued over 100K points that expired NOV'11 because BoA cancelled the program and Elite rewards closed my account. they claim they sent me a notice, I didn't recieve it and the original contract claimed points expired 4yrs after a purchase, so when they elected to cancel my points immediatly that breaks the contract we had in place. I've logged this complaint with BBB and hopefuly they can help. if this happened to you please also log this complaint with BBB.