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Upon Annual Renewal, If Citi Will Negotiate Your Annual Fee, Make Sure You Pay It First And Then Get The Credit Back

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As I have posted about a few times now, Citibank will negotiate with you when you tell them that you do not want to pay your annual fee and want to cancel the card.  For example, awhile back, I negotiated an offer regarding my Citi/AAdvantage Platinum Select World Elite Mastercard.  Citi made me an offer in which I need to use the card for 5 purchases of $20 or more over the next 3 months.  I did this and the $95 fee was credited back to my account on the next billing cycle.

Another deal I took was was with was one offered through my CitiBusiness/AAdvantage Platinum Select World MasterCard.  In that deal, I needed to spend $100 on the card in over next month for them to credit back $75 of the $95 annual fee.  I reluctantly agreed and spent $100.  I decided $20 was worth it to me to keep the card, as sometimes there are good spending incentives.

The real reason for this post is that I want to make sure you know that the $95 fee will not be credited back to your account until you fulfill the terms of the offer.  So….

If you are going to negotiate with Citi so that you do not have to pay the annual fee, make sure that in addition to meeting Citi’s “demands”, you also pay the annual fee on time.  The fee will get credited back to you once you spend what they want in the time period specified.  

 

 

 

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