<prompt> Human: This is what I asked: I would like to upgrade my credit card to one with a low APR and without an annual fee. Is it possible? If yes, whats the process?This is their reply. Unfortunately, were unable to make any changes to your account. If youd like to apply for a different account, you can view the different cards we offer by visiting our website at Keep in mind because you already have an account, the only card you are currently eligible to apply for is an account that includes rewards. In order to apply for an account that does not include rewards, you would first need to close your current account with a zero balance and wait 45 days. You can apply online or by contacting one of our Product Specialists at 1-877-277-5901. I have 4 credit cards. RBC Credit card - 2k - 20 - maxed - 4 years old - 39yr - rewards gonna keep this one Cap1 - 2k - 15 - almost maxed - 1 years old - 79yr - no rewardscashback CIBC - 500 - 20 - almost maxed - 8 months old - 0yr - dividend card gonna keep this one BMO - 3.5k - 20 - 600 on it, gonna pay it off today - 1 month old - 99yr - air miles card got 1000 points signup bonusSuggestionsadvice on when to cancel the capital one credit card? Any other suggestion? Thanks.  <response>: Pay it off, and then cancel it. When? As soon as possible. 