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I had a secured Cap1 card for a few years with them... I got it back when there was an annual fee. Once they came out with their new card (Without an annual fee and would upgrade to an unsecured card), I asked about getting it upgraded or if they could take off the annual fee and they said they couldn't... but they did say they would reimburse the annual fee (Which they did). I canceled my card though last year right before they charged me the annual fee again though.