Thanks for all the input guys. I feel a little better now. Haha. I will close the cap1 probably next year right before the AF comes up.

Razues I'd love to do that. The only thing stopping me is my lates. I do have a balance on NFCU, which really was a balance transfer from jcrew and ssfcu, that I'm paying over the next couple of months. All other cards will not have a balance. The lates would also be at their two year mark at about the time the card will be paid off.