I would keep the Cap1 card open and if your still not happy with them at the yearmark close it. But at least get a year out of it.
Also, since the general consensus is that Cap One will NEVER unsecure this card, does that mean when I'm and old and feeble 93 year old guy that I'll have to remind my great, great grandchildren to get my money from them when I die? If not, then when is a good time to close that account?
Peggy: Hello, this is Peggy, how may I help you?
Your Kid: The original account holder has died, can you please send me the money?
Peggy: Oh you want money, let me transfer you to our financial department
(insert elevator music here)
Peggy: Hello, this is Peggy, how may I help you?
Your Kid: The original account holder has died, can you please send me the money?
Peggy: Oh you want money, let me transfer you to our El Morte department.
(insert funeral music here)
Peggy: Hello, this is Peggy, how may I help you?
Your Kid: The original account holder has died, can you please send me the deposit money?
Peggy: Oh you want money, let me tell you, you send us dead body, and credit card, we send you money in 3 weeks!
Your Kid: We need the money to buy the casket?
Peggy: Oh in that case, 6 weeks, can I help you further?
Your Kid: I just want the money!
Peggy: Oh you want money, let me transfer you to our financial department
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
I've had the cap one account for over a year. Approaching a year and a half. I opened it in Dec 2010. Had a couple of lates though. Has been current and PIF every month since November, 2011 though except for one month where it closed with $75 or so.
@webhopper wrote:
Also, since the general consensus is that Cap One will NEVER unsecure this card, does that mean when I'm and old and feeble 93 year old guy that I'll have to remind my great, great grandchildren to get my money from them when I die? If not, then when is a good time to close that account?
Peggy: Hello, this is Peggy, how may I help you?
Your Kid: The original account holder has died, can you please send me the money?Peggy: Oh you want money, let me transfer you to our financial department
(insert elevator music here)
Peggy: Hello, this is Peggy, how may I help you?
Your Kid: The original account holder has died, can you please send me the money?
Peggy: Oh you want money, let me transfer you to our El Morte department.
(insert funeral music here)
Peggy: Hello, this is Peggy, how may I help you?
Your Kid: The original account holder has died, can you please send me the deposit money?Peggy: Oh you want money, let me tell you, you send us dead body, and credit card, we send you money in 3 weeks!
Your Kid: We need the money to buy the casket?
Peggy: Oh in that case, 6 weeks, can I help you further?
Your Kid: I just want the money!
Peggy: Oh you want money, let me transfer you to our financial department
