I just couldn't believe my eyes when I did open one of the letters I've got today in the post! It was the $50 JCPenny gift certificate I did order on Jul. 7 for my NextCard reward points! The accompanying letter is dated Jul 9 - the day when I've got the letter from FDIC saying that my NextCard account is closed....... It seems that this really was a "LAST MINUTE" call )) hehehehen