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Well to each their own I got an af removed so I can just keep the card since it's one pf my longest tradelines and keep moving on.
Cap One has been great to me yes they do need to add more steps in the credit steps program but they gave me a chance when no one else would and for that I am greatful after I recently contacted the EO I got an additional increase on both cards
I don't like Capital One and I'll never own another one of their cards ever unless they change their terrible way of doing business. Unfortunately I have a secured card from them that from the looks of it I'll have FOREVER... I know I should close it but it's my oldest account, and yes I'm aware of the 10 year situation, I just hope one day they may unsecure it... one day lol