Just a quick question. I have had a Cap 1 account since June 98. It was an account that was reopened after a chargeoff on a prior account. They offered $200 unsecured as long as I agreed to repay back the the charged off amount. Since that time I have called on numerous ocassions to ask for a credit limit (always pay more than the limit, never late, never over the limit). Every time I call I am turned down. They reps always state that this time of account does not allow them to increase my limit. The last time I called (Wed, I think) I told the Rep that I wanted to close it. He stated he would try to give me an increase. A minute later, he came back and said he couldn't do it, for the same reason. I told him that I would call back after my most recent payment posted for a final balance (about $75.00) and I would close it. The rep said fine but it would be two billing cycles before the account actually was closed. Here's my question. Do I pay it off and close it being that this is my oldest account on my credit report? (I have a partially secured FCNB that will be a year old in February) They don't seem to want to budge on the increase. Any ideas? I have a second Cap 1 (unsecur/opened 09/00). The rep assured me that after three months they would review this account for an increase. Should I believe that? Thanks for listening and any advice you all might have.