You are actually entirely correct. I had two Capital One cards for several years, both in the credit steps program. I did not know at the time Capital One solicited me that the credit steps program meant a ceiling or cap when reached. It does mean that unless you are upgraded at some point. After five years I decided to close mu 500 dollar credit limit card because it was going nowhere and I was always being told that it was not eleigible for any increase. I got tired of hearing it and knew the card would never grow with me. I closed the one card and decided to leave the other one open (1500 limit) for a short time thinking capital one might get the hint. When asked why I was closing it, I simply said that 5 years perfect history with them and no auto cli does not support 780 scores and above with several of my other card limits above 10,000 dollars and one at 20,000. I also told them if this other card sits stagnate like the first one did, I will close it too and I won't wait 5 years to do it. Two weeks ago Capital one wrote me and offered me an upgrade to a No Hassle Rewards card, WITH NO RE-APPLYING OR ANYTHING. No hard or Soft Pulls. Just accept it or decline it. I did so thinking that now ...maybe.....hopefully they will auto cli me from this point forward because this card supposedly is prime and no credit steps involved. I think they did get the Hint, because I must have pushed their Modify your features Button on their Website twice a week for a year, and then finally closed one of their cards. It can happen. A credit step card can be upgraded with Capital One, but I think it has to come from them and not customer initiated. Of course letting them know that they are about to lose your business might help too. This second card was four years old....younger than my first but the step program had a higher ceiling cap so I kept it. So keep your accounts spotless and I believe it can be acheived.
