I currently have four Capital One cards, the Platinum, Journey, Quicksilver One, and the Secured One ($ 49 Deposit). The first one I got was the Platinum. I received it in December 2015. My Initial limit was $ 300, which was obvious with me rebuilding, etc. My First payment was due on February 2. I opted to pay the balance in full. I utilized $ 293 out of the $ 300. I paid it in full on January 29. Today, February 9, I decided to give the luv button a try and there goes a $ 500 increase. My limit is now $ 800. I’m not sure if this card is on the steps program. I can’t remember, but it was surely nice to recieve a CLI only after my first payment.