Well you can always ask them to make it unsecured. If normal customer service won't help you, which with Cap One is normal, then you could contact their Executive Office. If you have already paid the annual fee this year then I would simply wait until the next annual fee to decide what to do. You can also ask them to waive the AF for this year. If normal customer service doesn't work on the first contact, then try them again a few times. Getting it unsecured would be the best way to go, either now or later. Having the account open will help in some ways; AAoA, util, and positive payment history.