Regarding The Conversion To Citibank World Mastercard

Regarding the conversion to Citibank World MasterCard.  It seems that they did this same gimmick back three years ago.  The letter seemed to indicate that offered you an opt out choice, but apparently they don't want to offer it this time.  They moved you from 5% to 2% and now 1%.  Want to guess what is next?

http://www.fatwallet.com/forums/finance/728669/