[Porsche-O-Phile]

Usually you can reject the new terms by sending them notice in writing that you do so. They will then close your account to new purchases and you go on paying as normal under the old terms. I've done this a number of times with a few different companies.

Eventually a competitor comes along with a new offer and a decent balance transfer rate, which you can use to "kill off" the old (now closed) account. Until the new company starts trying to "get cute" too, in which case you just repeat the process.