i sadly agree about cap1 and not raising limits (its been 3 years and im still at $500)
but i can't even close the account since its my oldest one 
Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750Take the FICO Fitness ChallengeLong way to go ^_^