I signed up last year for DC as part of the promotion to earn 2000 points a month (24 for the year). Since I already have an AMEX and CITIaa, I haven't used the DC card much and want to cancel. So far on 20000 points have posted, and they just charged me a renewal fee to keep the card. If I cancel, will I forfeit thaose remaining 4000 points? Has anyone had a similar experience?