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Frequent Contributor
youngman1234
Posts: 455
Registered: ‎02-27-2012
0

Highest Capital One Spark limit ??

Just wondering what the highest limit anyone has with this card ?? Also please share some of ur history.

~ thanks
New Contributor
stengiz
Posts: 71
Registered: ‎04-02-2013
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Re: Highest Capital One Spark limit ??

opened in April 13 it is at 2500, started with 1500,they raised it within  2 months,nothing since

last fell out of the garden on May 1st
Established Contributor
sccredit
Posts: 802
Registered: ‎09-14-2012
0

Re: Highest Capital One Spark limit ??

Mine is at $12,500.  720s FICO, AAoA 5.1 Years, 1% Utilization

Credit Cards: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000

Frequent Contributor
youngman1234
Posts: 455
Registered: ‎02-27-2012
0

Re: Highest Capital One Spark limit ??

I hoping to apply next year...
Established Contributor
sccredit
Posts: 802
Registered: ‎09-14-2012
0

Re: Highest Capital One Spark limit ??

IMO there are better business credit options than the Spark card.  I'm switching to Chase as my primary business card, Citi is also a good option.  AMEX is also good.  None of those wil report to your personal credit report like Cap One does.  

Credit Cards: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000

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Senior Contributor
myjourney
Posts: 25,402
Registered: ‎02-07-2013
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Re: Highest Capital One Spark limit ??


sccredit wrote:

IMO there are better business credit options than the Spark card.  I'm switching to Chase as my primary business card, Citi is also a good option.  AMEX is also good.  None of those wil report to your personal credit report like Cap One does.  


Citi rewards are bad IMHO tho

"Intelligence plus character--that is the goal of true education"
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Last 5 apps 6/6/13
Frequent Contributor
youngman1234
Posts: 455
Registered: ‎02-27-2012
0

Re: Highest Capital One Spark limit ??

I have Amex business card & citi... I can't get and don't want any chase products.

I just want the spark card for the 2% cash back...
Established Contributor
sccredit
Posts: 802
Registered: ‎09-14-2012
0

Re: Highest Capital One Spark limit ??


youngman1234 wrote:
I have Amex business card & citi... I can't get and don't want any chase products.

I just want the spark card for the 2% cash back...

The 2% back is nice, personal reporting not so much. I try to keep all business activity off of my credit report.  I only kep the Cap One card for 3 years because they were not reporting.  It showed up on my report about 2 months ago.  Luckily I had paid it before the statement cut so it only reported a balance of like $150. Also keep in mind the triple pull from Cap One. 

 

I can't comment on the Citi rewards because I don't have a Citi Biz card.

Credit Cards: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000

Frequent Contributor
youngman1234
Posts: 455
Registered: ‎02-27-2012
0

Re: Highest Capital One Spark limit ??

I will just carefully use it, and PIF before the statements cut so it will always report 0. There comes a certain time of every year where cash flow is good and I can just keep pushing payments... Plus 2% can add up but I just wish I got like a 30k limit...lol
Frequent Contributor
youngman1234
Posts: 455
Registered: ‎02-27-2012
0

Re: Highest Capital One Spark limit ??

And to think I just closed my starter capital one $750 limit card less than a year ago...lol

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