I would definitely call customer service...
+1 Contact customer service, however with that amount it sounds like a credit steps card. They do carry an AF after the first year I do believe.
They had 2 versions of that card, one with $39 fee (average credit) and one with $0 (excellent credit). .
My guess is that op APPLIED for the zero AF version, but got APPROVED for the AF version with first year waived. With a 300 limit, I can't imagine op met cap 1 criteria for excellent" credit. Op makes several references to confirming no AF BEFORE applying, but none to confirming with T&C after accepted. This still happens with the jimmy Fallon card, where people apply for the excellent credit version, but get approved for the average credit version.
talk to CSR they may be able to waive it. Like others have stated it sounds like the average credit version so if you get it waived this time, you won't get it waived next year, GL.