Well I've decided I'm not going to mess with the capital one right now. I think if I start playing games with them things might get worse. 

Just going to send GW's to commerce until they drop the 30&60. Open a secured card and start rebuilding credit. 

1. Would it help to open two secured cards from two different places? Both to have a higher credit to debt ratio, and to have both reporting?

2. When I do finally decided to close the cards and get my money back, does it kill me to end the history with these cards? I know length of time with a card is a big deal. 

3. Any recommendations on secured cards? This one looks promising