Just recieved a leaflet from CITI, where I have a credit card I use for personal, rather than household purchases.  They advised me that as of September 1, 2010 that there will be a $90 annual fee unless I use the card to spend $2400 annually.  I am a “Deadbeat”.  According to their vernacular a Deadbeat is someone who pays their account in full every month.   Watch these guys – they are tricky