Reply
Frequent Contributor
Posts: 368
Registered: ‎02-10-2013
0

SPARKS CLI??? I hope! I hope! I hope!

My sign business grew almost 50% last year...it was all we could do to keep up.  We are truly blessed.  Last year I got a Sparks CC to help get supplies when my cash flow is slow due to slow ARs.  They gave me one with a $2k CL.  It's been okay but I really need an increase.  Indications are that I will do just as well or better in '14.  So I know the drill...I sent a request to the CapOne CEO's fake email address and explained my case and expected to hear something next week.......WRONG!  They called me an hour later at like 7pm!!  Asked me the usual questions....income, outgo and if I would take less than my requested increase to $7500.  The guys says "is this all you want?...are you sure?"  I'm like "okay make it $10k" to whcih he replied "that's better."  I don't know what he knows but I hope he's right!


Starting Score:
11/11/12 BEGIN REBUILD myFICO 584

11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705
Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013
0

Re: SPARKS CLI??? I hope! I hope! I hope!

Good luck and let us know 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Frequent Contributor
Posts: 477
Registered: ‎02-27-2012
0

Re: SPARKS CLI??? I hope! I hope! I hope!

Any updates ??
Frequent Contributor
Posts: 368
Registered: ‎02-10-2013
0

Re: SPARKS CLI??? I hope! I hope! I hope!

They just now called me.  The CSR said he had good news for me.  I started me at $2k just 5 months ago.....I wanted $7500....the original CSR pushed me to go for $10k and they came back with a $3,500 CLI to $5500.00.  Considering I was at 584 FICO just 13 months ago w/ ZERO credit to now FICO score over 700 and $20,000 in available credit...I'll take it!


Starting Score:
11/11/12 BEGIN REBUILD myFICO 584

11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705
Frequent Contributor
Posts: 477
Registered: ‎02-27-2012
0

Re: SPARKS CLI??? I hope! I hope! I hope!

Nice congrats...
Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013
0

Re: SPARKS CLI??? I hope! I hope! I hope!


signguy17 wrote:

They just now called me.  The CSR said he had good news for me.  I started me at $2k just 5 months ago.....I wanted $7500....the original CSR pushed me to go for $10k and they came back with a $3,500 CLI to $5500.00.  Considering I was at 584 FICO just 13 months ago w/ ZERO credit to now FICO score over 700 and $20,000 in available credit...I'll take it!


Congrats on the CLI 

CAP1 scores again 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
Posts: 1,071
Registered: ‎04-24-2008
0

Re: SPARKS CLI??? I hope! I hope! I hope!

Congrats....which Sparks do you have?

Regular Contributor
Posts: 217
Registered: ‎11-06-2013
0

Re: SPARKS CLI??? I hope! I hope! I hope!

Nice CLI. Congrats.


Starting Score: 400s (2011) Current: EQ 655 (01-2014) Goal: 700 Last app: 01-01-14. No apps 'til 12-2014!
Senior Contributor
Posts: 9,906
Registered: ‎09-24-2013
0

Re: SPARKS CLI??? I hope! I hope! I hope!


signguy17 wrote:

They just now called me.  The CSR said he had good news for me.  I started me at $2k just 5 months ago.....I wanted $7500....the original CSR pushed me to go for $10k and they came back with a $3,500 CLI to $5500.00.  Considering I was at 584 FICO just 13 months ago w/ ZERO credit to now FICO score over 700 and $20,000 in available credit...I'll take it!


congrats


Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.