Don't remember if I posted this over here or not before. (Splitting my attention between Dumpshock, Here, and the Facebook page is a PITA
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Anyway, I just posted an update that talks about some of the upcoming stuff. And the FAQ has been done for a while, it's just been stuck in approval and layout, thanks to the holidays and everyones busy schedules. Should have it very soon though for you.
And the short answer is, the cut off is 150. This pretty much cuts off most players who have played regularly since Denver. If you played every Season 3, convention Mission, and all three of the Scrambles that have been run since Season 3 started, I think you could have earned somewhere in the neighborhood of around 150 karma (13 SRM 03's, 8 CMPs, both at 6 Karma max. And Scrambles I think could be worth up to 10 each. So that would be about 156. Plus possibly SMH 2010, which was another 9. So... 165 Karma possible? Ish?)
You can also voluntarily promote your character, even if he's under the cap, if you want to make a new character. You'll even get a couple perks.
Bull