Last year I applied for a credit card (Delta Gold Amex) in order to get 50K bonus miles with the first year annual fee waived. I'm about to cash in the miles and I have never paid a dime in interest. I want to close the credit card before the year is over to avoid the annual fee.
Do people typically need to cancel the card for some time period in advance of the date in order to avoid getting billed for the annual fee?
I realize that all these cards have different terms, but I was wondering if there a common answer across all card carriers.