Over $2.93! Really!! This level of interest, attention and emotion should be paid to anything else that matters. We (you included) do not control outcomes - do what you need to do to try to make it right by you and stop creating the extra stress for yourself! The doctor bills from the heart attack you are going to give yourself are going to be way pricier in dollars and quality of life than the stupid card. The preceding statement assumes that you are correct in every assertion you made. Good luck.