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Spirit Airlines Free Spirit Points Card Backdoor?

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CreditGuy03
Established Contributor

Spirit Airlines Free Spirit Points Card Backdoor?

I was just approved for this Free Spirit Points Mastercard for Spirit Airlines but a very low SL. Is there a back door number for this card to get an increase? Id like them to match my highest CL at least which is 4k. 

 

The card says it is issued by First Bank and Trust.

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019
Message 1 of 8
7 REPLIES 7
coldfusion
Credit Mentor

Re: Spirit Airlines Free Spirit Points Card Backdoor?

 

Is this the new card issued by Mercury Financial that has the AF?    Just want to make sure that you aren't talking about the co-branded card issued by Bank of America.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 8
CreditGuy03
Established Contributor

Re: Spirit Airlines Free Spirit Points Card Backdoor?

No this one doesnt have an AF 

 

It is from this site.

 

myfreespiritpointscard dot com

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019
Message 3 of 8
coldfusion
Credit Mentor

Re: Spirit Airlines Free Spirit Points Card Backdoor?

I thought it had an AF, sounds like I was wrong.

 

But, Mercury Financial itself is not a bank but they do have a partnership with First Bank & Trust.  I don't have any contact information but as a starting point this is the correct bank  https://www.bankeasy.com

 

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 8
FinStar
Moderator Emeritus

Re: Spirit Airlines Free Spirit Points Card Backdoor?


@CreditGuy03 wrote:

I was just approved for this Free Spirit Points Mastercard for Spirit Airlines but a very low SL. Is there a back door number for this card to get an increase? Id like them to match my highest CL at least which is 4k. 

 

The card says it is issued by First Bank and Trust.


If you find a way to get through, post an update @CreditGuy03. Me thinks it's probably unlikely given the financial institution, but one never knows.

Message 5 of 8
luxlight
Regular Contributor

Re: Spirit Airlines Free Spirit Points Card Backdoor?

You sure? Looking at their website, it looks like it doesn't have a annual fee the first year but anything after it does.



FICO 8 Scores

TU: 743 [2 Inquiry] | EQ: 742 (FAKO) [0 Inquiry] | EX: 753 [4 Inquiries]


AAoA = 2 years, AAoOA = 3 year 1 months

Message 6 of 8
CreditGuy03
Established Contributor

Re: Spirit Airlines Free Spirit Points Card Backdoor?

Update:

 

I called the number on the back of the card and they said you can't request cli's they do periodic evaluations for increases.

 

 

To the sock drawer this goes 

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019
Message 7 of 8
FinStar
Moderator Emeritus

Re: Spirit Airlines Free Spirit Points Card Backdoor?

What was the approved limit on the card @CreditGuy03?  Since this is the subprime version of a similar card offered by BoA, it was unlikely they would've matched your other limits.

 

Why not use the card to build history and then see if a CLI is possible down the road?

Message 8 of 8
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