Well, I just called capital one. Of course, they refused a credit increase. This time they went back to the story that when I combined cards, that was an increase, an thus I need to wait 6 months. Ugh. Anyway, I told them that I refuse to pay a $6 monthly fee when it obvious that my account is not effectively reviewed on a monthly basis. So he reduced it to $3. I guess every little bit helps. Mike G.