I have a question about opting-out of the surcharge.

I just got a letter from Citibank (my AA miles card) notifying me of the 3% charge and stating that I can "opt-out" of the charge by calling 800-719-9044. The old terms stay in effect until the expiration date on my card or the end of my "membership year", whichever is later, at which point the account will be closed.

Am I missing something here? This sounds pretty straightforward to me and like there's no reason not to do it, since I don't mind if they close the account when it expires.