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cost cutting drives earnings beat for bank of america corp bank of america corp nyse bac reported another quarterly earnings and revenue beat on monday morning topping wall street analyst expectations for the second quarter thanks to aggressive cost annual fee refund rules for each card issuer doctor alliant according to our contact at alliant they do not do prorated annual fee refunds at all american express american express will refund the annual fee pletely if you cancel the card within 30 days after the statement in which the annual fee hits