Meanwhile, the interest rate crept up to 21%. My credit report improved over the years and now has no blemishes. I have 35K in total credit lines, many with prime banks. I owe about 8K to these banks. Income to debt ratio is excellent. All 3 CRAs report R-1 ratings on 10 accounts, active and closed, with no history of late payment or default. Disgusted with Capital One's refusal to see that my circumstances had changed, I closed the account through the bank's automated system. I expected to be connected with a live human in the retention department. Thought they might be curious why I was closing the account after six years. Even though they weren't, I wrote to them and outlined my reasons at the same time expressing my appreciation that they were the first bank to extend me credit. No response. Capital One returned my deposit several weeks ago. Today I received a solicitation for a $500 credit line increase on my closed account. All I have to do is send $99 to add to my nonexistent security funds account. They suggested I could take a vacation with this extra spending power. So, I will send them $99 inimaginary money. Then I will find an imaginary airline and hotel that will accept this credit card once I glue the pieces back together and go off on a great two day vacation. Maybe dealing with this bank in the imaginary world will make me feel better about Capital One cuz dealing with them in the real world sure does suck.