Got into Contact with an Executive rep from Cap One and she permanently changed my terms on my QS MC account to have the Annual Fee permanently removed not just waived like they usually do. And while she was at it she offered to submit a CLI to her underwriter in the amount of 11,500$ I'll get the Annual Fee removal/ Change of terms in the mail within the next week as well as her Underwriters decision on the CLI I am definitely keeping this card! 
