U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Advertising and marketing Maryland

I recently applied for the US Bank - - Visa, which advertised a - night free with any award stay while I had the card, in addition to paying a $75.00 fee. I was recently notified that the benefit was being removed without an in-kind benefit being added. I spoke with customer service and was offered - points, which was worth maybe $12.00. After indicating that this was unsatisfactory I filed a complaint last week. I was called regarding this, and the gentleman I spoke with said I could get either - points ( ~ $32.00 ), or cancel the account and get a refund of the annual fee. However, even refunding the annual fee does not account for the loss I have taken to my credit score in applying for this card, which includes both a hard credit pull and a lowering of my average account age, both of which can affect the interest rates I receive in the long-term. I was aware of this when I applied for the card, but at the time, it was worth it for the benefit of the - night free. Refunding the annual fee therefore does not adequately reimburse me for all the financial cost I took on applying for the card.