call them up. they are more than  willing to waive

citibank condition - they will ask u to sign up for autopayment for bills. up to u to take it or not. take means 3 year waive.

Tell them you want to to terminate the card. When they ask why, say there are lots of other free for life credit cards available. They will be begging you to keep it and waive the fees. When I had a Citibank card, I never paid annual fees for a single year. You just have to be vigilant and hardworking enough to call them up every year when the annual fees are due.

Cancel lar. No big deal. I barely use it anyway.