Originally Posted by
deannreeves
I cancelled united visa when they charged annual fee after a year. After much talk from "representative" on phone, they offered 10,000 mile bonus to renew card. I asked if I had decided to renew and pay the fee, would I have gotten the 10k miles. No! You have to cancel and if they want to keep you, they will offer the incentive. Now, every year I will cancel and get the 10,000 miles!
I'm sure most of these cards have a certain time you have to wait before you can re-apply for the card again. But yeah, if it's almost time for the annual fee, sometimes they will make you an offer (waive the annual fee, give you extra points for spending a certain amount, etc) if you call the retention line.