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Capital One SPARK BUSINESS

Established Contributor

Capital One SPARK BUSINESS

I just received an invitation, in a nice looking package, from Capital One for the Spark Business card so they have my attention, at least temporarily!

 

Just wondering does anyone know what type of limit they usually offer on this card and is this a three bureau pull? I know Capital One is infamous for the three bureau pull.

 

Thanks,

 

Frank

Message 1 of 12
11 REPLIES
Valued Contributor

Re: Capital One SPARK BUSINESS

Definitely a 3 bureau pull.  As far as limit YMMV, I've seen people with $500 limits, I have $10k.  

Starting a whole new chapter
Message 2 of 12
Senior Contributor

Re: Capital One SPARK BUSINESS

Not only is it a triple pull, it reports to personal credit.


Gardening until tomorrow.
Message 3 of 12
Valued Contributor

Re: Capital One SPARK BUSINESS


CAPTOOL wrote:

Not only is it a triple pull, it reports to personal credit.


This is 100% correct.  Not sure how I failed to mention that!  

Starting a whole new chapter
Message 4 of 12
Epic Contributor

Re: Capital One SPARK BUSINESS

If this is the Spark Green Business Cash card and your scores are in the 780 range... you could see $20-$50k on approval.

 

Message 5 of 12
Super Contributor

Re: Capital One SPARK BUSINESS


Uncle_Money wrote:

I just received an invitation, in a nice looking package, from Capital One for the Spark Business card so they have my attention, at least temporarily!

 

Just wondering does anyone know what type of limit they usually offer on this card and is this a three bureau pull? I know Capital One is infamous for the three bureau pull.

 

Thanks,

 

Frank


1. I don't know what kind of limits they give out but in my case I was given a $15k starting limit, and my scores were significantly lower than yours.

2. Yes they will probably do a double or triple pull.

FICO8 EQ 725 TU 752 EX 736 Total revolving credit 454300
Message 6 of 12
Valued Contributor

Re: Capital One SPARK BUSINESS

I've gotten about 4 in the last 2 months for the Spark Green, $500 or $450 sign up bonus... I don't think it's worth the 3B pull when it reports to personal Smiley Sad! But it can vary I think the greens minimum is 5k limit but sometimes you have approvals with $15-25k
Message 7 of 12
Frequent Contributor

Re: Capital One SPARK BUSINESS

With pulling all 3 bureaus, how far does that drop your score???

 

Thanks

Fico Scores:Me: 11-25-16: EX 605 TU 626 EQ 613 Hubby: 6-7-16: EX 526 TU 557 EQ 551
Cards: Me: Cap 1 QS1 {$300 to $400 to $750), Cap 1 QS {$500 to $500}, VS {$500}, Finger Hut {$300 to $500}, Finance Loan {$800}, 1st Premiere {$300 & $700} Hubby: Bank Loan ($1000), 1st Premiere {$300 to $425 & $700}, Cap 1 QS1 $750 & Platinum $1300.
Message 8 of 12
Epic Contributor

Re: Capital One SPARK BUSINESS

Depends what your file looks like now and how many credit inquiries you already have it might not drop your score at all
Message 9 of 12
Community Leader
Super Contributor

Re: Capital One SPARK BUSINESS


kennerchick wrote:

With pulling all 3 bureaus, how far does that drop your score???

 

Thanks


Yes, they will pull all three reports and no one here can tell you how it will affect your scores.

Message 10 of 12