Holders can always ask issuers to waive annual fees. It may not work, but it doesn't hurt to try. If consumers have a good history with the Citigroup card and it is building up their credit score, they can shift some spending to reach the $2,400 limit and pay off balances each month. Of course, you can opt out of the card, close the account and shop for a new credit card. -- Reported by Bill Hardekopf, CEO of LowCards.com.