<prompt> Human: I have a Capital One MasterCard that I opened more than 15 years ago. Back in those days, I was recovering from a series of bad choices made in my college days, and I was working to rebuild my credit. The card was originally opened as a secured card, with me depositing the amount of my credit limit with Capital One. The card charged me a 5 monthly Member Fee in addition to a healthy APR. At the time, I was just happy to have a credit card, since I had to travel frequently for work and needed to be able to rent a car, pay for a hotel, etc.Fast forward to today. Ive worked hard to build up good credit much more difficult to do back before rpersonalfinance!, have a great job, and have a number of good standing accounts. My credit score is healthy, but not amazing, hovering around the 710ish. Capital One long ago returned my security deposit on the credit card, but Im still paying the 5 monthly member fee. I recently called and asked to have it removed from my account, and they told me that they could not help me. Its not a huge amount of money, but now it is bothering me like crazy that Im still paying that stupid fee.Heres my question -- Is there a way to get rid of this fee? Or should I just take the hit to my credit to cancel the account?  <response>: See if they can convert the card to a no annual fee card. If they refuse that as well as removing the fee Id give them 2 big middle fingers and walk away. Unfortunately it will hurt your average credit age, but paying 60 for a card that likely has no rewards when you have good credit is ridiculous. 