Marshal's JPMorgan Chase Credit Card Has a 15 Percent Interest

Marshal's JPMorgan Chase credit card has a 15 percent interest rate and a rewards program that gives him one point per $1 that he spends.The only option Marshal has for point redemption is a $100 statement credit that would cost him 10,000 points.On January 7,2012,Marshal noticed he has 8,750 reward points accumulated on his JPMorgan Chase card.On that same day,he received an offer from Bank of America for a credit card with an identical rewards program and an 8 percent interest rate.If Marshal cancels his JPMorgan Chase card and accepts the offer for the Bank of America card,the accumulated 8,750 reward points that he will not be able to redeem are an example of a ________ cost.

A) network
B) bandwagon
C) card
D) credit
E) switching