Hello fellow myf Ficoer's
I just want to say thank to all the fico'ers for their posts, it help me tremendously to raise my FICO from the low 500's to mid 750's today.
I receive an offer from Capital One Spark Business 1K Offer with 10K spent fort 90 days, I was wondering if it s worth the triple pulls to get that 1K. I have no business credit. Have not applied for credit in 10 months and 2 new cards in the last 12 months. I would pull the trigger if I have a fighting chance. Any input would be greatly appreciated. income is north of 200K.
CH 7 Discharged NOV 2011,EX 2008 FICO 753 EQU 2008 FICO 717; TU 2008 FICO 755.
CO Quicksilver 16.5K; CO Venture 15K; Barclays SM 10.7K; Barclays AA 15K; Wally 3300; NFCU Cash 26.5K;
Chase C$P 5K; AMEX Delta Gold 10K; FNB AMEX 6K, AU Citi Costco 8K. AU Macy's 7K; AU Macys AMEX 2300
Spark reports to your personal credit. I didn't care about this initially but when I had to put spend on the cards, my personal util suffered and the cards only report to Equifax Business. Not to mention, I couldn't get the limits higher than 2k to save my life. Spark just isn't a good business card, at least not to me.
C1 Spark is still a favorite Visa here. Ability to freeze AU cards in real-time, no SSN verification required for AU. Just PIF before the statement closes because it does report to personal bureaus. They have allowed us to spend over the limit from time to time with no fee. 2% unlimited cash back is great. Tripple pull was the annoying part.
Took a plunge, not good, got the 7-10 days, possible 15 days notice and a 11 points drop. Oh well, you cant hit if you don't step up to the plate and swing.