After arguing with a lady for a while, this other lady came on and offered me to switch to worldpoints with no new application. strange. I'll keep the 1.7% until 2004 in mind, as when you "product swap" with MBNA you get a new intro APR similar to amex but not similar to Citibank. I think the worldpoints is closer to the Amex blue and that was my reasoning to switch.
