I'm in kind of a catch-22 with this. My credit wasn't the best after a divorce years back and I applied for a cc with a fee ($4/month) since I couldn't get any other. Now that my credit has somewhat improved over the years (up to around 690), I still can't really get rid of the card because one of the factors keeping my score low is length of credit history, or lack thereof (I guess having a house and cc's for 7 years while married doesn't seem to add much to "credit history", but that's a different story).
Since that's the only card I've held since my divorce, cancelling it would all but wipe out whatever "history" they have me down as having in that aspect. I've talked to the cc company (yes, Capital One) occasionally about dropping the fee but I'm always told that "...there's currently no programs to do that". I've had them lower my interest rate but can't get them to concede on the fee. I know I could threaten them with going to a different cc company but I don't really carry a balance or use it all that much. Besides, I still wouldn't be able to cancel the card if I did switch because once again of the credit history thing.
