I was just given a gold upgrade on the classic visa card. I dont think it is a real upgrade though. I mean, grace and all terms are still the same as they just send the card w/o any change in info. I had capital one since 11/99 and was upgraded to gold in 3/01 with $2900 limit. I am not sure of my terms. I owe about $600 on both cards and I could send them a check today for the balances and then close them both. I dont owe anything on the providian Mc. I would close it also. Should I do this. Should i play the retention game. These are my oldest trades.