@jdsinm wrote:Hello,
Approx 3.23 i applied for this card and was declined, you can search my old thread to see DP.
The only reason that was listed at the time was -
you have limited deposits and investments balances with us and/or our afflities
My data points are almost identical now, except shortly after my decline, i opened a personal checking account and have kept the money in the account sense then ( approx $4500). I had also thought maybe i had reached the max exposure limit from my personal credit side and it affected the decision, but that doesnt seem to be a resonable idea now considering the limit they gave me for this.
So after being approved maybe the reason they listed was legit automated reason i was denied.
At any rate about 2 weeks ago i got a mailer for this card, so thought i would try again as it has been more then 6 months.
Approved 15K (will transfer some of my CL to boost this from my personal to take advantage of 0% interest).
They pulled TU personal with a cali address
No idea if they pulled bus credit
1 inquiry when pulled (from this card six months ago)
Sole P not using an EIN
Score in the 720-730 range
3 year plus old business
12% overall credit card usage/ 14 accounts (personal)
35% overall credit card useage/ 4 accounts (business)
0% overall credit usage with them
3 outstanding loans/revolving credit (no auto or home)
Income in solid 6 digit area, business income listed 50K
Credit age 10 years
Have a single cash rewards card with them. Probably around 15 years old as i product changed some time in the past to this.
Had been carrying a substational balance for about a year, paid off to $0 about 30 days ago. It has a very generious limit.
Personal Checking with them.
Congratulations on your approval.
