PallasAthena wrote:At this point, I don't owe anything on either of them and I really don't care whether I lose a few fico points for closing my account.
Make sure you understand the potential impact on utilization and AAoA before closing versus just assuming that you'll take a hit of a few points. While AAoA won't be immediately impacted since closed accounts in good standing remain for 10 years you might want to hang on to your oldest accounts but that's your call to make.
I'd suggest researching what it takes to contact their EO to get what you're looking for from them as some seem to have had luck converting their rebuilding cards, getting AF's removed, etc going that route. And don't make decisions while you're upset. Cool down and think it over.
PallasAthena wrote:I never heard of anyone having a very high credit line with Cap one.
Be careful assuming trends based on what you have heard (sample size, statistical significance and all that). There are certainly those with high limits if you search around.