<prompt> Human: Has anyone else had this happen to them? I just received the card in the mail a few days ago and was immediately hit with THIS:I have 0 posted transactions with them yet. Here is a link to their website where they claim 0 membership fees: The fact that there was supposedly no annual fee was one of the reasons I chose this card over another one which is why Im upset. I feel like just cancelling it but I dont want it to negatively affect my credit so I feel stuck :.Background info: Im in my early 20s, and have a credit score is around 680.What gives.  <response>: I would call in and ask to have the annual fee waived. Its possible. My friend was approved for the Quicksilver One, called in to customer service and politely asked about switching to the Quicksilver instead of the Quicksilver One. The rep said that wasnt possible, so friend asked the rep if there was any way the fee could be waived, and they were able to do it for at least the first year.The key was to be polite and kind, not pushy. Then, after a year you can call and ask to change your card to the 0 fee Quicksilver. By building up a positive history with CapitalOne youre likely to be able to get that. And even if you dont, by making your payments on time for a year youll have built up your credit score so you should be able to qualify for a different 0 annual fee card. 