Key Bank Approval!!!

[greywolf]

I faxed in my app on Monday, got a call Wednesday saying they required a PG. I talked with the person, and asked them if they needed to pull my credit, she said she wasn't sure, but if they needed to pull personal she would call and confirm with me.

 

She called me a few minutes ago, said I was approved with a $4400 limit, and my personal credit was not pulled, I will check with CCT for the next few days, but nothing so far.

Edited October 23, 2009 by greywolf

[clintbeastwood]

congrats, great to hear in these times!

 

 

Did you PG this account, without them pulling it?

 

Or did you leave your SS off the app?

[ansky0007]

I faxed in my app on Monday, got a call Wednesday saying they required a PG. I talked with the person, and asked them if they needed to pull my credit, she said she wasn't sure, but if they needed to pull personal she would call and confirm with me.

 

She called me a few minutes ago, said I was approved with a $4400 limit, and my personal credit was not pulled, I will check with CCT for the next few days, but nothing so far.

 

Congrats! How much did you request?

I applied 3 months ago asking for $10k and they said they needed a PG and they would not tell me if they would or would not pull personal so I did not proceeed.

[betterday]

is there soft pull?

[greywolf]

Initially, I just left the PG section of the app blank, when the person called me, she said the PG field was required, so I filled it all out and re-faxed. I requested $10k

 

I will pull my FICOs next week to check and see if they did a soft pull.

 

The person I spoke with was VERY nice, and had no problem with not pulling my personal credit. YMMV

[B_o_s6]

I applied recently and received the same call asking for a pg, I asked if the rep if I gave them my info would my

credit be ran and she told me no because me biz credit was good enough for a credit line and that the pg would

be kept on file just in case the account go in default.

[greywolf]

My card came today

[tatersalad]

congrats !

[greywolf]

It really is an accomplishment, considering when I joined CB, I had ZERO business credit. Thank you, all CB member!

[B_o_s6]

Congrats, did they pull your personal?

[B_o_s6]

Approved today $4400.00 credit line cards in 7-10!!!!!

[greywolf]

Approved today $4400.00 credit line cards in 7-10!!!!!

LOL, Congrats! Same approval amount as me

[djduane]

I faxed in my app on Monday, got a call Wednesday saying they required a PG. I talked with the person, and asked them if they needed to pull my credit, she said she wasn't sure, but if they needed to pull personal she would call and confirm with me.

 

She called me a few minutes ago, said I was approved with a $4400 limit, and my personal credit was not pulled, I will check with CCT for the next few days, but nothing so far.

 

 

Congratulations, Wolf. I'm jealous, CL more than mine!!

[clintbeastwood]

Approved today $4400.00 credit line cards in 7-10!!!!!

 

 

Congrats, when some of you get approvals, it gives hope to many of us, like myself!

 

 

can you give us some insights on what your files are like?

 

How does your D&B look, experian?

[jlp58]

Anyone gone for a CLI w/Key? I have had the account for 6 months. Initial CL was $4000. Due to the 0% introductory offer, I have kept a pretty good balance on the account since it opened. Now that the intro period is over, I will PIF. Thinking of asking for an increase afterwards.

 

Thoughts?

[greywolf]

Here is what my files looks like. I also have a 2r2 rating, and in business for 3 years.

 

[ansky0007]

Here is what my files looks like. I also have a 2r2 rating, and in business for 3 years.

 

 

Did they pull Equifax or Experian business? I called Key today about an application I sent in months ago and refused when they asked for PG, They said I still need to PG today even though my file is much stronger. I filed personal BK against Citibank 2 years ago so I am hesitant. I do have all my files frozen so maybe I will PG since they cant pull them anyway but I dont want to raise any flags with Citi since I have many business accounts with them.

[clintbeastwood]

Here is what my files looks like. I also have a 2r2 rating, and in business for 3 years.

 

 

 

looks pretty good, the last I checked was about two weeks ago, had 6 Payments rcv'd Total of $1000, high of $750. Made additional purchases at grainger and Uline since ($50 & $50). They also have me as 2R2. I have my four starters (grainer, uline, reliable, quill) down, arco fuel card, and just rcv'd my office depot (2500 limit) card yesterday. I'm contemplating my next move, although I'm thinking about Best Buy, Newegg, and Staples as my next three credit lines. I have to wait another week or so before I can reapply for staples, after being denied in October. Also wouldnt mind getting a revolving gas card.

 

I'm really tempted by this key bank CC, however it might be a little early for me to apply. What is the wait period if you get declined?

 

 

Have you had any of your staples, OD, or gas cards report yet??

[greywolf]

I have NOT had a single Citi card report, yet

 

I'd go for it ansky0007. Key/Citi did not pull hard or soft on any of my personal report. I pulled my FICOs a week after being approved. I did not IIB Citi, so it is possible they have an internal black list. I would re fax your app, leave the PG blank, and when someone calls tell them you do not want your personal files pulled. The person I spoke with said there was no problem with that, and would call me back if there was going to be a personal pull.

 

Also, they did not pull my EX file. I still have to check my EQ file.

[B_o_s6]

After I applied the rep I talked 2 told me that they pulled dnb. As far as citi cards cards reporting, I have staples,sears already reporting to ex & eq both accounts open within the last 2 months. For the key card they didnt pull hard or soft on personal!!

[clintbeastwood]

After I applied the rep I talked 2 told me that they pulled dnb. As far as citi cards cards reporting, I have staples,sears already reporting to ex & eq both accounts open within the last 2 months. For the key card they didnt pull hard or soft on personal!!

 

 

awesome!

 

how does your Dnb file look? If you dont mind me asking

[betterday]

Here is what my files looks like. I also have a 2r2 rating, and in business for 3 years.

 

Hi, greywolf

any idea who might be the #2, 4 and 7 on your file? thank

[B_o_s6]

Total in file 6 600 250

 

Payment By Industry:

 

1 Misc business service 1 250 250 100 - - - -

2 Whol office supplies 1 100 100 100 - - - -

3 Short-trm busn credit 1 100 100 100 - - - -

4 Whol durable goods 1 50 50 100 - - - -

5 Misc equipment rental 1 50 50 100 - - - -

6 Radiotelephone commun 1 50 50 100 - - - -

 

Other Payment Categories:

 

Cash experiences 0 0 0

Payment record unknown 0 0 0

Unfavorable comments 0 0 0

Placed for collection

with 0 0

other 0 N/A

 

The highest "Now Owes" on file is $100

The highest "Past Due" on file is $ 0

[greywolf]

betterday, #2 is Northern Tool, #4 is Verizon, #7 is your best guess (possibly Valero or Citgo)

 

B_o_s6, how did you get Citi to report so quickly? Some people have waited close to a year before Citi starts reporting.

[B_o_s6]

I didnt do anything special, but on my equifax and experian they reported the info on the 30th of the month that I opened them. Im still waiting on them to report to dnb but i made purchases last month so they should report there this month.