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I've had a Cap1 VISA for about 10 years now, $1300 CL and $59 AF.
I've never had a CLI, and my APR has gone from 12.99% to 22.99% over the last few years, even though I've never missed a payment.
Up until last year, they have always waived the AF. This year's fee just posted on my last statement dated 3/17/12.
My plan is to PIF this week minus the AF, and then call to see if they will waive the fee this year.
If not, I'm dumping this damn card like a hot potato. Good riddance!!!
I don't think you realize how jealous I am of you I am just waiting until I find a replacement card, like the Freedom, to close my Capital One card so that my utilization doesn't take a hit.