<prompt> Human: I have been offered upgrades on the credit limit, etc... but I just want to like upgrade out of a secured card where I dont have to keep paying this 29 annual fee! Which by the way, comes via NO notification and is just applied to your credit card once a year.. Which really can sneak by if you dont use your card often!... Anybody been through something like this with Capital One?  <response>: Call capital one and ask them to transition your card to a different product. If they wont do it, youre going to need to accept one of those countless offers for different cards and then cancel your current one. 