I had 2 credit cards that were valid till 09/08 and i cancelled them by fax on the 09/23/08 they had an amount as a security and they send me after a month the security amount minus the annual fee for 2009, i called them and asked them why they charged me the annual fee for 2009 since i have cancelled the credit cards within September and their answer was that i had to do cancel them 09/18/08 and not 09/23/08, this is how the get peoples money ????