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Congrats tquint14,
Way to go! And congrats on your plan to PIF.
Is your overall utilization 13% or do you have 13% on each card? (I'm guessing it's the former, just checking).
For your very best FICO scores, the general mantra is to have one card report less than 9% balance; and all other cards reporting a zero balance. When you hit that goal, it may be time to kiss that stinky First Premier card (lovingly) goodbye! You've grown well beyond having to pay their fees!
Now's also a good time to rest the app finger. I note from your other post, that you're considering a Walmart card - waiting until after six months of good reporting on your new Cap One card is a good idea. That increased age is very very helpful, and even if you close FP (I would strongly consider that if your utilization is down, there's no balance on FP, and only one card is reporting a balance) you'll still have three cards open - that's a fine number to work with.
Congrats again!! Glad CapOne put you back in the saddle.