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Firstly, sorry to the mods for posting in the wrong forum, i'll pay closer attention from here on out.
Secondly, do I just call First national up and ask them to waive my annual fee?
It wouldn't hurt to try. I've read of people having success getting an annual fee refunded, waived, or otherwise compensated with points or miles.
On the topic of optimal utilization reporting, would the "keep everything at 0% except for one line" work if that one line with a balance was a charge card?