Have had a Diners card for over 20+ years. Accumulated 400, 000 + points that have not been used. I paid my card off 100% and decided to stop using the card because I could never get into the online banking site (always locked out) and did not want have a balance that I could not pay. After paying the card off in December 2020 Diners (BMO) hit me with a 15.86 late charge. Since the card had been paid off and taken out of my wallet I never went back into account and decided to just hold it for all the points I planned to use in retirement. BMO/Diners has now defaulted and closed my account stating I have lost all my points!