Since obtaining a Cap One, I've gotten Providian MC (CL $2600), Action Card (CL $1000), Providian Visa (CL $1800) and Discover Plat (CL $5k). My question is, should I cancel my CapOne. It's currently NOT being reported on my Equifax report (my best) so the removal won't hurt my FICO there. My CL is $600 and I was going to transfer the balance to my 1.9% Discover anyhow. Since they don't report limits, it is probably actually HURTING my TU and Experian scores. OR, should I try to negotiate with them for another type of card? Your opinions are greatly appreciated.