Capital One Spark

[shyboy]

Hello everyone, 

I started an auto repair company 3 months ago and since then, i've opened a AMEX platium card (I've had them for my personal credit since 2008) and recently got approved for a Capital One Spark card. I understand that I PG it but i was surprised with their $500 inital limit. I believe they report to both the business credit profile and my personal credit profile.

Any insight on CLI, how long of a wait..etc 

[Creditaddict]

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@shyboy wrote:

Hello everyone, 

I started an auto repair company 3 months ago and since then, i've opened a AMEX platium card (I've had them for my personal credit since 2008) and recently got approved for a Capital One Spark card. I understand that I PG it but i was surprised with their $500 inital limit. I believe they report to both the business credit profile and my personal credit profile.

Any insight on CLI, how long of a wait..etc 

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3 months and if denied just keep trying monthly!

It isn't a hp.

[shyboy]

Should I show a high level of utilization and PIF monthly until the 3 months since the account has been open? 

[SouthJamaica]

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@shyboy wrote:

Should I show a high level of utilization and PIF monthly until the 3 months since the account has been open? 

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My experience has been if you use it a lot and pay it off fast they give you an auto CLI every 6 months

[FocusedAndDetermined]

Congrats on your approval!

Seems others have responded to your question.  Hope you get a CLI.