The rep offered to lower my apr to 15%, possibly refund my annual fee in 2 months. I said no thanks. Then she was like, let me review your account further. Then she offered to raise my limit to $300! I told her that I have 4 other cards w/ the lowest limit being $1200, why would I want to be bothered with Cap1? She was like Oh......your right.....go ahead a cut your card up, etc. Whatever..... GOOD BYE CAPITAL ONE! Believe me......aint no love lost! <cutting up card as we speak> I still have my Providian Gold and Mastercard. I will pay those off over the next 3 months and let those cards idle for a while. To the sock drawer they go! That leaves my 2 Citibank cards (I combined the silver and gold AAdvantage cards to gold). I would combine my classic and gold AA and upgrade to Platinum but I'm afraid of how it will report. My classic card is my oldest account (since 1992) and I noticed on my gold AA card, it says member since 01. I think I'll keep those separate for now. Now.....only if I could get an Am/Ex charge card. Then I will be satisfied. My goal is to get one by the end of the year.