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Capital One Spark Business 1K Offer with 10K spent fort 90 days

Contributor

Capital One Spark Business 1K Offer with 10K spent fort 90 days

Hello fellow myf Ficoer's

 

I just want to say thank to all the fico'ers for their posts, it help me tremendously to raise my FICO from the low 500's to mid 750's today.

I receive an offer from Capital One Spark Business 1K Offer with 10K spent fort 90 days, I was wondering if it s worth the triple pulls to get that 1K.  I have no business credit.  Have not applied for credit in 10 months and 2 new cards in the last 12 months.  I would pull the trigger if I have a fighting chance.  Any input would be greatly appreciated. income is north of 200K.

 

CH 7 Discharged NOV 2011,EX 2008 FICO 753 EQU 2008 FICO 717; TU 2008 FICO 755.
CO Quicksilver 16.5K; CO Venture 15K; Barclays SM 10.7K; Barclays AA 15K; Wally 3300; NFCU Cash 26.5K;
Chase C$P 5K; AMEX Delta Gold 10K; FNB AMEX 6K, AU Citi Costco 8K. AU Macy's 7K; AU Macys AMEX 2300

Message 1 of 7
6 REPLIES
Established Contributor

Re: Capital One Spark Business 1K Offer with 10K spent fort 90 days

Spark reports to your personal credit. I didn't care about this initially but when I had to put spend on the cards, my personal util suffered and the cards only report to Equifax Business. Not to mention, I couldn't get the limits higher than 2k to save my life. Spark just isn't a good business card, at least not to me.

Starting 11/14 EQ 498 EX 514 TU 507 | Current 4/10 EQ 651 EX 697 TU 692 | Util 11% | Personal Credit - $97,540 | Business Credit - $71,100
Message 2 of 7
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Member

Re: Capital One Spark Business 1K Offer with 10K spent fort 90 days

C1 Spark is still a favorite Visa here. Ability to freeze AU cards in real-time, no SSN verification required for AU. Just PIF before the statement closes because it does report to personal bureaus. They have allowed us to spend over the limit from time to time with no fee.  2% unlimited cash back is great. Tripple pull was the annoying part.

 

Chase Biz Marriot 30k| C1 Spark 23k| BOA Csh Rwd Biz 15k| BOA Spirit Biz 16k| Sams MC 15k| AMEX Biz Bl Csh+ 13.5k| Frontier WW MC 7.5k| Target MC 5k| Chase Amz Prime 5k| Cosotco Biz Visa 4k| Discover It 1.3k
FICO-8 EQ756, TU748, EX743.
Message 3 of 7
Epic Contributor

Re: Capital One Spark Business 1K Offer with 10K spent fort 90 days

I would never pass up $1k FREE from a bank!

Message 4 of 7
Contributor

Re: Capital One Spark Business 1K Offer with 10K spent fort 90 days

 

 
 
Message 5 of 7
Epic Contributor

Re: Capital One Spark Business 1K Offer with 10K spent fort 90 days

You have 2 cap1 already... can't see why you wouldn't get it if they sent you pre-qual
Message 6 of 7
Contributor

Re: Capital One Spark Business 1K Offer with 10K spent fort 90 days

Took a plunge, not good, got the 7-10 days, possible 15 days notice and a 11 points drop. Oh well, you cant hit if you don't step up to the plate and swing.

Message 7 of 7