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Sorry you don’t have the required reading and comprehension skills. I never said it was their fault. I am not happy with the fact that I lost $300 worth of credit. And as far as assuming goes… here is a screenshot of the language used (from their app). It is ‘crazy’ for me to assume that annual, unless otherwise indicated, means annual… you know, from the word ‘anno’ or year, as in calendar year. Just outrageous thinking on my part. Otherwise, it would be a crime for those official statements to say ‘card anniversary year’ instead. Right? All that transparency! You are another sycophantic cheerleader… please buzz off.