Given the card I had was due to expire this September, I was expecting BMO to do something, and half expected it would close the account given the checkered history of the card. I wasn't expecting a replacement to come via over night courier, signature required. No email or letter warning me this was coming. Good thing my travel plans this week and next fell through. Happy to have a true and rare USA chip and pin. So awesome to be able to buy gas at the pump in foreign countries. If you were like me, and hit the 2 month window it was offered in 2014, then your replacement is coming soon.