I’m writing an article for “U.S. News & World Report” about credit cards with annual fees. I’d like to hear from credit card experts – or regular consumers who are really skilled at using credit cards – and get your tips and strategies on how to make a credit card with a hefty annual fee pay off. After all, if you don’t properly use a credit card with a big annual fee, you’re going to waste a lot of money on that annual fee. So if anyone has any good advice or anecdotes, please drop me a line.