Well, folks, here’s some news that’s going to sting if you’re a Mesa Homeowners Card holder: the card is officially dead. Mesa just sent out emails announcing immediate closure, meaning your card is deactivated now. No more swiping, no more earning Mesa Points. The email stresses this isn't about your creditworthiness, but that doesn't make it any less frustrating!

The big to-do list: immediately stop using the card, update any recurring payments linked to it, and keep an eye on your final balance (you're still responsible for paying it off). As for your existing Mesa Points, the future is murky. They might be redeemable, but given the sudden closure, don't hold your breath. You can currently redeem them for a measly 0.6 cents per point as a statement credit, but it is unclear if they will honor this. There are also no transfer partners.

Why does this matter to you? If you held this card, obviously it's time to scramble and find a replacement and figure out what to do with any lingering points. But even if you didn't, this serves as a good reminder that smaller, less established credit card programs can be volatile. It highlights the importance of diversifying your rewards strategy and not relying solely on a single, niche card. Always have a backup plan!