I wasn't paying attention and got hit with the AF renewal on my AA Citi Platinum Select, which I'm planning on closing (and opening a Citi Premier).

I've read that you can get them to refund the AF if cancelled within 60 days. My question is, should I pay down my balance all the way to 0, or should I leave $95 on it so that the AF credit brings me back to 0?

If I pay the balance off entirely and ask for the AF to be refunded, would they just send me a check?