The $95 annual fee became due on my personal American Express Starwood Preferred Guest card. I never use this card because I also have an Amex SPG Business card that I use when I choose to use a Starwood card. I was planning on canceling my personal card and called Amex to do so. Before I actually canceled it though, I asked Amex to move my credit line to my Amex Everyday Preferred card because I did not want to lose that line of credit and take a further (temporary) hit to my credit score. I needed to wait a few days for the credit to move. When the credit transferred, I called back to cancel. I was immediately transferred to a retention representative who offered me $100 statement credit to keep the card. Of course I will. It negated my $95 fee and I even made $5.00. Thx Amex!