I got approved for my 1st Citi Executive AAdvantage Mastercard on Jan 30, 2014. My statement closed on Feb 13, with annual fee of $450 posted and 100k miles already transferred to my AA account since I had meet the minimum spending. Now that I got approved for my 2nd card. I want to cancel my 1st card and keep my 2nd card. My questions: 1. Since I am still within the 30 days since the AF posted in last statement, I am still eligible for the AF of $450 to be refunded, right….so I already paid all of my balance on my 1st card except $450, so I still have a balance of $450 on my 1st card. If I closed my card, the AF will be refunded and it will satisfy the $450 leftover balance that I have, isn’t it? 2. I’ve heard that closing the card via secure message is better and easier than phone, is that true? If so, I plan to write a secure message as follows: “Dear Citibank, please close my AAdvantage Mastercard credit card account ending in XXXX, and please refund the $450 annual fee”. Or is it better just say “Please close the card” and not mention anything about annual fee refund? If you have experience with closing CC account via secure message and have better draft, please kindly share. Thanks a lot in advance for your help.