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I called First Premier and Orchard - they both waived my annual fees - in fact gave me a credit!
I did close one of my FP cards - I have had both Orchard Bank and FP since 2006 & 2007
I've had a Cap One sockdrawed for close to a year and it's still open. I noticed they charged the $39 AF recently so I called and said to close the account. They waived the fee so I'm leaving it open. $750 limit that will never increase.