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Citi Custom Credit Line Question

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I have Citi Custom Credit Line. Their Terms & Conditions state as follows:
Annual Fee of $50 waived for Citigold and Citi Priority customers and anyone who takes a loan or makes a payment on their account once during the year.
My question is about the year. Is this any time during a calendar year (Jan through Dec) or if I had opened on August 8th, it should be once a year before August 8th?

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though I do wonder why it's all in bold.

^^^ LOL. Correct what?

My guess is the annual fee is collected based on anniversary date, not calendar year, therefore the transaction should also be based using the anniversary / membership year. You could call or send citi a message just to be sure.

I'm pretty sure my Custom Credit is based on account anniversary year, not calendar year. And I've even taken a loan and paid it back on the same day (so no interest charge), which waived the annual fee.

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