topic Re: Capital One Spark Classic to Spark Cash? in Business Credit

Capital One Spark Classic to Spark Cash?

mattun — Wed, 25 Mar 2015 23:17:10 GMT

So I've failed in the past to get a Spark Cash Business Card. Capital One really doesn't like something about my report (probably too much available credit and inquires). Last year I was able to convert the useless generic Platinum card they rebranded my old Orchard 2% card with into a Venture card (another I've been rejected for in the past). So it got me thinking, maybe my solid FICO allows me to upgrade to better cards with annual fees, but my past shenanigans are blocking me from their high end products when I apply for new accounts (maybe I appear to be just chasing sign up bonus offers when they scan my report?). So I was thinking maybe I should go after their low end stuff and convert later. Has anybody pulled that off?

Re: Capital One Spark Classic to Spark Cash?

Anonymous — Thu, 26 Mar 2015 02:12:20 GMT

Yes.

I got a Spark Classic in January with 620s and just PC'd it to a Spark Miles Select with 660s. Can be done.

Re: Capital One Spark Classic to Spark Cash?

myjourney — Thu, 26 Mar 2015 03:16:08 GMT

Why not app classic and in 6 months request EO to upgrade rewards to your choice miles or cashback (2% or 2X)

No AF this way but same rewards structure

Re: Capital One Spark Classic to Spark Cash?

Creditaddict — Thu, 26 Mar 2015 15:17:12 GMT

I have a Spark Classic that was upgraded through EO a couple months later to Spark Cash... it's a Gold Card but pays me 2% Cash Back of the Green Card!

They refuse to issue me the green card. lol