No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
That's something you'd definitely want to call and ask about.
I think everyone has operated under the assumption that your AF hadn't popped up yet, but it seems like it was already charged.
With product changes, Amex will give a prorated refund of your past annual fee and then charge a prorated annual fee from the new card.
