Ok, so onward to my next question. I have read time and time again through here that Capital One is a bear as far as GW's go. I had a CC through them a few years ago that went to CO status. It was then transferred to a CA some time ago. Now here is where I screwed up....I started paying it (this was before I found this forum). It get's a little interesting though. I had a CO amount of $2468 on a $1500 CL and started with $100 payments a month back in Apr. Earlier this month, I received a letter from the CA advising that my account was turned back over to Capital One, I found this very odd? I called Capital One and the CSR had no idea why this occured. Anyway, this account was down to $2168 as of last night. I made a web payment to them for $400 in hopes of lowering my utilization. My question is this, I'm starting to show fiscal responsibility again and I know Capital One doesn't consider GW.....do you think I'd have any luck with them by asking to re-open the CO account?