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New Visitor
Bradyok
Posts: 2
Registered: ‎01-02-2014

Capital One - Spark Business

[ Edited ]

Got approved Dec 16th with a CLI of 15K and a credit score of 771.

 

Ijust joined the forums so I'm sorry if there are already a million posts on this card. It is the best card that I have so far with 2% cash back rewards on everything! The only drawback was the $15K initial credit limit but I am happy to say that after a couple of weeks of using the card they put in a credit limit increase request for me and then told me I should know if it is approved in 8-10 days. I assumed that meant I was declined but sure enough, about 5 days later my limit was raised to $25K.

 

I recommend anyone that spends a decent amount of money to get this card. I have AMEX Platinum, AMEX Plum, AMEX Blue Cash, Discover, Chase Ink Bold, Chase Sapphire, Chase Freedom, Barclay Arrival.. Hands down this is the best card. I do recommend the Chase cards as I received at least $200 signing bonus on each one and I believe around $500 on the Barclay. Also the Chase Ink Bold 5% back at office supply stores is great. Office Depot and Staples will match Amazon's prices now so you can get the amazon price plus 5% and get the item same-day!

 

I'm 22 and I got a credit card the day I turned 18. I do spend about 30-40K a month so I'm sure that plays a large factor in my quick increase.

 

Valued Contributor
B335is
Posts: 2,819
Registered: ‎09-22-2012

Re: Capital One - Spark Business

Congrats, You seem to be doing quite well! I don't hear much about this card.
Established Member
ElBerryKM13
Posts: 16
Registered: ‎04-15-2013

Re: Capital One - Spark Business

Congrats on the cli!

 

btw how did you do it? I tried and was told i needed to wait 6 months first before i could ask for a cli. they gave me the card by the end of oct with 10k and like you i too spent around 30k a month.

Mega Contributor
Creditaddict
Posts: 18,818
Registered: ‎10-23-2007

Re: Capital One - Spark Business


ElBerryKM13 wrote:

Congrats on the cli!

 

btw how did you do it? I tried and was told i needed to wait 6 months first before i could ask for a cli. they gave me the card by the end of oct with 10k and like you i too spent around 30k a month.


Email CEO and the exec office will call you in about a day to go over request.

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Established Member
ElBerryKM13
Posts: 16
Registered: ‎04-15-2013

Re: Capital One - Spark Business

Did they do a HP or SP for that cli?

Mega Contributor
Creditaddict
Posts: 18,818
Registered: ‎10-23-2007

Re: Capital One - Spark Business


ElBerryKM13 wrote:

Did they do a HP or SP for that cli?


cap1 does SP only for CLI on personal and business credit cards.

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:

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