Capital One - 2 Years Later

Progress is at a snail's pace on the Capital One card. Fortunately, I opted out of a change in terms a few years ago when they tried to increase my rate. So this one is a fixed 4.99%. The good thing about opting out of those changes in terms is that you can't add any more debt on it. So the only place it can go is down, no matter how slow the progress seems.

Two years ago, the balance was $1,129.26. Today it stands at $828.17.