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The good news is that the Capital One Card is now HISTORY!!!!!!!! Wooo hoooo!!!! We also have several thousand dollars that we can put towards IRAs or towards B of A. I haven't decided which, yet.

When you say the Capitol One card is history, do you mean the card debt or the card? Hopefully, the former not the latter. CC companies are known to offer great incentives once a balance has been paid down. Usually the incentive arrives within a month of clearing a hurdle. Capital One has worked out for me since I locked into the 4.99% for life on purchases and BTs. This was several years ago, but they might offer some similar deal.

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