I would also add at this point, I’d be hard pressed to say there are going to be massive changes in the price you’d get. A phone tends to decline in value the most for the first few years it’s been released, sort of like how new cars depreciate the fastest in its first three years. So I suppose to answer your question: yes you’d maximize your money if you gave it up today, I just don’t know how much more you’d be making.

If this were to happen, less stores expect AmEx so it’s possible your card will be less usable at the places you frequent.

I’m sorry that happened to you, that sucks.

But I also think it’s statistically unlikely any other bank would have done any better in that situation given other experiences posted on the web.