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Capital One Business Spark Card Credit Limit Celings

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titancylinder
Frequent Contributor

Capital One Business Spark Card Credit Limit Celings

I figured I would post here because I've seen some people on the forums ask which business credit cards offer the highest limits for their business. To date, the highest limit I've ever seen for a small business is a million dollars on a Capital One Spark card. 

 

This guy is a friend of a friend. Unfortunately, Capital One CLD'd him because he shifted spend to other cards. He had a million-dollar CL with C1 for quite a while.  

 

I have attached proof. This is a somewhat older screenshot to respect his privacy. 

Million dollar CLMillion dollar CL

 

Fico Scores: F9 EQ 791 TU 803 EX 781 (Oct 2024 updated)
Virtually slap me if I apply for anything else before August 2026 and remind me I'll never get my U.S. Bank Altitude Reserve Visa Infinite.
In garden from July 27th 2024 to August 2026.
New Accounts: 6/12 11/24. DTI less than 5%. TCL Personal 333,163. Auto loan: SETF (estimated) initially owed 47000 / Current 32000 owed @ 60 months / 3.75% / April 2023 origination
Message 1 of 10
9 REPLIES 9
cashorcharge
Community Leader
Super Contributor

Re: Capital One Business Spark Card Credit Limit Celings

maxresdefault.jpg

Message 2 of 10
Shooting-For-800
Senior Contributor

Re: Capital One Business Spark Card Credit Limit Celings

You need to black out his name

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!



Message 3 of 10
titancylinder
Frequent Contributor

Re: Capital One Business Spark Card Credit Limit Celings


@Shooting-For-800 wrote:

You need to black out his name


Good catch, thanks! Though at this point, he probably doesn't care. But I took care of it. 

Fico Scores: F9 EQ 791 TU 803 EX 781 (Oct 2024 updated)
Virtually slap me if I apply for anything else before August 2026 and remind me I'll never get my U.S. Bank Altitude Reserve Visa Infinite.
In garden from July 27th 2024 to August 2026.
New Accounts: 6/12 11/24. DTI less than 5%. TCL Personal 333,163. Auto loan: SETF (estimated) initially owed 47000 / Current 32000 owed @ 60 months / 3.75% / April 2023 origination
Message 4 of 10
jaxstraw
Valued Contributor

Re: Capital One Business Spark Card Credit Limit Celings

I haven't asked but I work with a supplier who runs 250k-500k through his Spark monthly.

So I would assume he has to have well over 500k CL.

I know a few years ago he made nearly $100k in cash back rewards on the 2% unlimited .....which are untaxable income.

Nice little bump !!

 

Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 5 of 10
CliftonKraus
New Visitor

Re: Capital One Business Spark Card Credit Limit Celings

Thanks for the info, I will keep it in my mind.

Message 6 of 10
GApeachy
Super Contributor

Re: Capital One Business Spark Card Credit Limit Celings

Lawdy what a slash. They just slashed one of my biz cards for non use too.  Lol, no where near your buddy's limit but still.....SLASHED!  I did go online to request  half of the limit be restored and it was, without giving notice it was reviewed and restored same day.  I knew to be reasonable with my request but I'm not sure I'll maintain this limit either.  Maybe Cap1 would restore your friend's limit if spend was shifted back.

 

May I ask why the shift?  What FI biz product was that enticing to risk that big'ol bisquit?

My Take Home Pay Don't Take Me Home
Message 7 of 10
pizzadude
Credit Mentor

Re: Capital One Business Spark Card Credit Limit Celings

I was notified by Cap1 back in September that I had a "Credit Limit Change" document in my inbox, they cut my limit on my Spark from $6K down to $1K.

 

Not as big a drop as the aforementioned example, but seems like they're doing quite a bit of thatching.  I haven't been running many expenses thru this card, and will use it even less now most likely.  Smiley Frustrated

 

From my account I was able to request them to bump it back up, not all the way but they put me back at $5K.

 

REDUCED cl.JPG

 

 

 

 

 

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 8 of 10
TMDSCT
Regular Contributor

Re: Capital One Business Spark Card Credit Limit Celings


@pizzadude wrote:

I was notified by Cap1 back in September that I had a "Credit Limit Change" document in my inbox, they cut my limit on my Spark from $6K down to $1K.

 

Not as big a drop as the aforementioned example, but seems like they're doing quite a bit of thatching.  I haven't been running many expenses thru this card, and will use it even less now most likely.  Smiley Frustrated

 

From my account I was able to request them to bump it back up, not all the way but they put me back at $5K.

 

REDUCED cl.JPG

 

 

 

 

 

 


CrapitalOne reduced my CL on the Walmart business card from $10k to $1k citing my lack of use.

Message 9 of 10
URHomeInvestments
Regular Contributor

Re: Capital One Business Spark Card Credit Limit Celings

Well, that sucks. 

Message 10 of 10
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