I made my last Cap1 payments monday, they posted this am for a zero balance. I got off the phone with them about 20 minutes ago and had them shut my QS and QS1 cards down for use, but not yet cancelled. I'm going to give it 10 days to make sure nothing pushes through before I pull the trigger on a full cancellation.
The day after I got that approval for the NFCU $15k limit, I got approval for a $1500 Discover that I'll for sure be keeping, but Firemedic made a good point of why keep lower tier cards when I have two top tier cards now. Especially since the utility wont really be affected, and the AAoA is less than a year on both Cap1's. Bye Bye bucket cards.
I have tried to CLI both cards but they were credit steps and I feel like they are bucketed as low limits.
You can close the Capital One cards if you'd like. But scoring likes three cards. That's not mission critical, but you already have the cards to accomplish that until you eventually find a replacement.
I'd see if the Platinum can be product-changed into a Quicksilver, and I'd look to combine the QuicksilverOne into the no-fee card.