Saar has been updating us on his quest for a good APR from Capital One. They seem flexible on that point. But I would like to know whether anyone has gotten the annual fee removed from a subprime Capital One Visa. I know they offer the Classic Visa by mail to better credit risks with no annual fee and a 12.9% APR. Given the size of my credit limit ($400), the $59 annual fee costs me a lot more tham the extra subprime interest does. Does Cap One ever waive the annual fee on an existing Visa account?