Originally Posted by beltway

...The key passage reads as follows:

If you have already paid an annual fee of over $95 in you current cardmembership year, you will receive a credit for the difference on your billing statement after April 19, 2015. Cardmembers who are billed an annual fee of over $95 before April 19, 2015, will need to pay their annual fee in full and will receive a credit for the difference on their billing statement after April 19, 2015.