question on Citi Prestige that hopefully someone can clarify: I was chatting online with an agent to confirm the date my annual fee will be charged and he seemed to suggest that I have cancel the card 30 days prior to the date the annual fee will be charged i.e. at 11 months to be able to get a full refund on the annual fee. Didn't sound right so I thought I will check on here. This is my first year with Citi Prestige .. was this rep just making stuff up or does Citi really have this policy? Thanks!