Recently, they contacted me and notified me that they were switching it to a Platinum Plus MasterCard. The letter made it sound like I should be thrilled, however, they also told me I could call and say "No Thanks." My question(s) are: 1) Is there, in anyone's experience, any reason to prefer Visa to MasterCard. In other words, are my benefits changing at all? 2) If they change me, what does that do to this listing on my reports? The original line is from 1991, so I'd hate to have it replaced with what looks like a "new" line. Thanks.