Cap1 is really weird. We know a person who cap1 cancelled card with zero notice. Individual always paid same day bill arrived. Had 836 FICO credit score and was never late paying any bill in entire life including Cap1. Fortunately you can find better cards from other banks
Cap1 probably canceled his card because he was paying the charges off on time, so they were not making money from interest charges.
Everything you described is why they cancelled it. CC companies consider people like that deadbeats.
They can't make much money off of a customer that doesn't pay interest.
Cap1 also makes it hard to pay off a car loan early. You can't do it at a branch, you have to do it by phone, estimate when they will credit the payment (not the day you send it or they receive it) and then try to get the payoff balance for that day, and then mail to the dropbox (not the bank) address. If they claim they didn't get it credited in time, interest keeps running. So you really need to overpay by at least a weeks interest. Don't expect a refund.
They lost money on that person is why they cancelled. Keep in mind the bank is charged for every transaction so if they don’t get to charge interest, they end up losing in the long run so they cancel the card after a time.