If you're a slacker like me, and haven't done a super job of keeping track of when annual fees come due, they'll sneak up on you. My personal AMEX PRG fee showed up on my statement this month as did my fees for both my Bank of America and Bank of Hawaii Hawaiian Airlines cards. I was a little nervous that I'd get stuck paying the fees since I didn't cancel before they showed up, but so far I've been able to cancel without paying the annual fees. Maybe this is typical for all cards, but I wasn't sure, so I figured I'd post here to find out. I did call before the statement was due, and I had a 0 balance (except for the annual fee) on the card. Obviously, it's ideal to cancel or ask for a retention bonus before the fee hits, but if you find yourself with an annual fee on your statement, here are a few (fairly obvious) tips to handle that situation. If you have other suggestions, please add to the list. Pay off the balance on the card except for the annual fee before cancelling (ideally a few days) as they can't cancel a card for you with a balance on it. Call before the statement comes due or you may get hit with late fees, interest fees, etc. I haven't had experience calling after the statement due date, so I don't know if they'd drop the annual fee once it's come due or not. My guess is that it's a YMMV thing. I figured it'd be good to collect people's data points with any issues of cancelling different types of cards after the annual fee hits. Below is my experience. Eventually, I'll get organized and not have to worry about this... Personal AMEX PRG ($175) - I haven't officially cancelled this one yet, but they told me as long as I cancel before the statement due date with a 0 balance besides the annual fee I won't have to pay the fee. I'm waiting to cancel until I talk to a Retention Specialist to see what they'll give me for sticking around. Refer to American Express PRG Retention Bonus for more details. Bank of Hawaii Hawaiin Airlines ($79) - I called in, they immediately removed the fee, and cancelled the card with no problems. Bank of America Hawaiin Airlines ($79) - I called in, they immediately removed the fee, and cancelled the card with no problems. According to FrugalAsianMan in another post about cancelling a United MileagePlus Explorer card, "Chase will refund you the annual fee if you get hit by it and cancel the card within 60 days of receiving the fee." Please share your experiences and knowledge about cancelling cards after the annual fees hit.