Does anybody know when they charge the annual fee? My concern is that they will charge the annual fee and then when you pay it from your December statement, the points will post in 2011. I realize the annual fee is not a "charge" which is what should trigger the points posting. My plan (as others have suggested) is to not charge on the cards until Jan 1st. Anybody have any experience with this? Thank you.

Edit: Guess i should have read a little closer above...Maanfi, when did you apply for the card?