Be aware of what your credit card companies tell you. You need to verify that everytime. Today I converted my card to the American airline Gold and the representative who did the conversation for me said she would waive the annual fee for me. But when I checked back, that wasn't done. I took it up to a supervisior and she just wouldn't do anything like that. I was pissed. They promsied to do something that they couldn't do. So I asked to be converted back to what I had before. Wasted me valuable time. If this kind of thing happens one more time, I will cancel my citibank card. Creditors just want your money and careless about anything else.