Originally Posted by
sdsearch
But IMHO only a "net" annual fee that high, not the "actual" annual fee being that high, should rate an "ouch". Why should a (potentially) $0 "net" AF rate an ouch?
It was clear to me that the "Ouch" in question referred to the permanent (7+ years) forfeiture of the signup bonus on this $450 AF card. Indeed, that's a painful choice. The need to belabor the benefits of this particular card in this particular thread seems petty at this point. At the very least, it's far off topic.