NFCU is really good to rebuilders, congratulations!
I wanted to build a new relationship with capital one since, both portfolio collections are from them.
I would keep the card, for this reason, even though it's a tiny limit. Use it and wait at least a year. If it hasn't graduated, apply for another capital one card and close the secured upon approval of the new card. Everything thing else in your portfolio just needs to age. Come join us in the garden! Try a good will campaign on your lates, read up on the 'saturation technique' here in the forum. As your credit improves, you might be able to get a personal loan to use to pay off the remaining car loan balance.