I don't understand the reasoning here. They need to sell cards to make money. Cutting 104 cards a year can't be better for business...regardless of quality, unless they charge more.....uh oh! Me thinks they are going to increase "quality", while increasing price, because , hey, they increased quality. They really screwed up by playing with the pricing stuff, the old way cost me a lot more money but was way better business. Offer a card at discount the first 7 days, that is standard. People will buy it on first impulse because they will be kicking themselves if they decided to buy later, which we all do.