Well actually in the past 2 years. In September 2004 I upgraded from an American Express Air Miles card to an American Express Air Miles GOLD card. I have no recollection of why I did it. The only explanation I can come up with is that I somehow thought that there was no annual fee or something. I honestly cannot remember why I upgraded to the GOLD card. I stopped using my AMEX card a couple months ago and have been meaning to cancel it outright (actually I kind of thought I did, ok, so I'm a bit disorganized). Today, I got a statement in the mail saying that I owe them $50 for "Membership Fee." This next part I feel really stupid about... I called AMEX and asked them why I got charged this fee. The lady didn't really know but she said according to my account there was a fee, but the call ended quickly because apparently their main servers were down so she couldn't get any more information. After I got off the phone I opened up Gnucash because I wanted to see if I had been charged this before. It turned out I was charged $50 in September 2005 as well! God dammit I had a $50 annual fee card and I didn't even know it. I'm so embarrassed about it...anyways, I'm going to pay the $50 fee and cancel the card ASAP.