No, Sir! Plenty of information for me to sit on read through. Thank you for the pool of knowledge! Just tried the chat and nothing. I will wait til the AF posted after the 25th next month and if no go on Upgrade or not willing to waive the AF, then I think my time with this card as ran its course. I too have another card with Capital One card, the Venture 1 and a generous limit to boot @10k more than I need. So in the end, Capital One still wins because they still have a place in my wallet. Just not the QS1🤣