Not defending the company as I don't work for them anymore, but I'm just giving you the facts. You will lose and you are wasting your money on legal fees because even your lawyer knows he has no case. He's giving you false hope so he can continue to charge you by the hour...

Some reading for you since you obviously aren't getting the message:
Banks vs. Consumers (Guess Who Wins)
Credit Card Arbitration - Forbes.com
Credit Card Binding Arbitration- Consumer Tips from CardRatings.com
Credit card arbitration: What it is, how it works