I did

– and I didn’t (and don’t, upon review) see any mention made that the annual fee is included in the interest calculation. Which is why I’m growling about it.

They keep charging the fee even if the account is closed. At least, that’s what their disclosure says. How does it affect your credit score if you close it?

I had chicken soup last night – feel like grilled cheese snackwiches with green tomatoes – if I can find any!