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Closed accts are usually factored into score for at least 10 yrs.
@09Lexie wrote:
Open and closed accounts are used to calculate your AAOA. Closed accounts can stay on your cr for up to 10 years no guarantee.
Have you tried emailing the EO at Cap One?
This is a secured card I bet capone EO will do nothing for it but wave af, and tell you to apply for one of there unsecured card. LMAO (funny thing is it works)
FICO doesn't care if it is opened or closed. There is only one AAoA (when factoring all acct types).
If I was you ( and I love capone) I have had great luck with them since rebuilding my credit last year. I would wait till the right moment and app for the amex you want, just to be sure you get it. Then drop capone you dont need that card with the others that you have.