When I moved most of my banking relationships to Citi 5+ years ago I was enrolled in CitiGold banking (their premium banking product) due to the amount of assets and liabilities (mortgage) I had with them. At that time the banker who helped me out tried to sell me on a Citi CC. I told him I already had Bus. & Pers. AA Citi cards. He informed me that since I was now CitiGold my annual fees on these CCs would be waived. However, the annual fees have still appeared on my statements every year on both my Pers & Bus Citi AA CCs. Every year I call and tell them that I was told these would be waived b/c I am CitiGold. Everytime I call to get them waived I end up being transferred to a supervisor who tells me they arent aware of this, but that they will waive them anyway. FWIW--The supervisors seem to have no way of verifying my CitiGold status.