<prompt> Human: I opened a secured card over 5 years ago with Capital One. I deposited 3300 at that time and have NEVER been late on a single payment. Not once. In fact, I typically pay it down once a week. Fast forward to this year. Capital One offers me an unsecured Venture Card with a 15k limit and I accept. Yay! I now have my secured card 3300 limit and Venture Card 15k limitI now use my Venture Card for most everything since it rewards me and the secured card obviously does not. That being the case - I called Capital One to try and withdraw 2300 from my secured account so that my secured card will remain open, but with a 1000 limit instead of the original 3300. Capital One is telling me that the ONLY way to get a portion, or all of my money back from the secured card account is to close the account entirely. If I do so - I will lose over 5 years of impeccable credit history. It feels as if theyre holding my for ransom! What can I do? There has to be another way...?EDIT - Thank you all! Sounds like closing that account wont have the negative effect I thought it would. Appreciate you takin a few moments to read it over and point me in the right direction. Thanks again!  <response>: You wont lose the payment history, it will show ad a closed account. 