667 replies to this topic

[althes]

I just applied for citi bus regular
got confirmation and accessorize page.
Will report back.
Will call on tuesday possibly on monday to see whats the verdict.
I have paydex and 52 Ex score.

[althes]

I got approved for Citi AA MC instead 6k.
Thats its for me until sep when i hope to get the citi duo for 20k each.

[archomole]

Hi
I have tried applying for BLOC or Business Credit card and it has been very challenging
I spent many hours and days on creditboards to figure out the whats, whys and hows.

Eventually I decided I would apply for business credit with PG

1st apps
CHASE BLOC for up to 100K no docs, stated income ( hoping to get at least 32,000)
applied at local branch
after a whole week of follow-up and hoping that they will check Equifax 735 No CO(which is the highest score)
the local branch bank rep told me i was declined
I asked for reason I had to wait another day for that
reasons
- low business score
- recent accounts
- high risk industry
I argued with bank rep that the there are only 3 recent accounts
- investment property
- CD secured credit card
- business loan (6 months)
bank rep says will talk with underwriter and get back with me

2nd app
CAPITALONE BLOC for up to 50K no docs, stated income
applied at local branch
I got feedback in 48 hrs
declined
reason
- lack of recent revolving
- excessive number of credit accts
- business credit - limited or derogatory
- new installment loans
I felt like capital one pulled all my reports

3rd apps(hoping they will pull equifax)
CITIbank
applied online for the credit card mastercard select
...will get back to you in 30 days

4th apps
American express mastercard (hoping they will pull equifax)
declined -

5th
requested CLI on my discover card...declined (no HARD pull)
I have made regular payments for 6 months (paid above minimum)

I need help of what to do! I need some business finance asap.
Your assistance and help is much appreciated

[jdb0822]

I applied got Citi Business and HDMC, I also got the confirmation and accesorize page, and the standard dreaded 30 day decision. I apparently have a pull on my personal credit from Citi.

What is odd is on my Experian report, there is a credit card on there opened in 4/07, with no info, (CL, etc) not sure what that is.

I'll update once I hear something.

[Starsky]

Well I think some must just be slipping through the cracks with the Citi biz cards because we applied online yesterday and have a very strong busess D&B and Exp and do nearly $4MIL a year in sales and the very first thing they did was pull my personal EQF report.

[archomole]

Hi
I have tried applying for BLOC or Business Credit card and it has been very challenging
I spent many hours and days on creditboards to figure out the whats, whys and hows.

Eventually I decided I would apply for business credit with PG

1st apps
CHASE BLOC for up to 100K no docs, stated income ( hoping to get at least 32,000)
applied at local branch
after a whole week of follow-up and hoping that they will check Equifax 735 No CO(which is the highest score)
the local branch bank rep told me i was declined
I asked for reason I had to wait another day for that
reasons
- low business score
- recent accounts
- high risk industry
I argued with bank rep that the there are only 3 recent accounts
- investment property
- CD secured credit card
- business loan (6 months)
bank rep says will talk with underwriter and get back with me

2nd app
CAPITALONE BLOC for up to 50K no docs, stated income
applied at local branch
I got feedback in 48 hrs
declined
reason
- lack of recent revolving
- excessive number of credit accts
- business credit - limited or derogatory
- new installment loans
I felt like capital one pulled all my reports

3rd apps(hoping they will pull equifax)
CITIbank
applied online for the credit card mastercard select
...will get back to you in 30 days

4th apps
American express mastercard (hoping they will pull equifax)
declined -

5th
requested CLI on my discover card...declined (no HARD pull)
I have made regular payments for 6 months (paid above minimum)

I need help of what to do! I need some business finance asap.
Your assistance and help is much appreciated

FEEDBACK
CHASE BLOC
I got a letter in the mail
reason for decline
too many new accounts
they pulled equifax and dnb
I checked my credit report ...
august 2006 - secured loan
october 2006 - 2 mortgage loans (80% + 20%)
thats all that is within 2006
I called the phone number on the letter and was informed that i need to talk with the local branch
well the guy handling it is out of the office

CITIbank
called them multiple times with them saying they cant see any file
eventually today they say they got my apps but need more info from me
- paycheck stub, utility bill, credit card statement
is that not too much information????
DISCOVERCARD
got a letter from discover saying reasons of decline, realized they pulled my transunion report
should i call them for reconsideration and say that they should pull my equifax?
I need help asap.....

[jdb0822]

archomole, what are your current biz stats.

[archomole]

archomole, what are your current biz stats.

Duns - no score, 3 tradelines
experian - 64, 3 tradelines

[Serenity06]

I received a letter in the mail from and was wondering should I try for the card. My scores for EX is very low and I only have one company reporting to DUNS.

[Wsv771]

My 90 day wait was up again, so once more I tried for the AA and Biz Plat cards. And once again, a personal was pulled so I'm probably declined. This is my third time trying for it, and I'm scratching my head now as I thought I had a pretty good profile. As with my previous tries, it seems like they checked DNB because I'm not seeing any changes on Experian. My stats for both are in my sig.

[buttonstheclown]

I applied for the HDMC on 4/21 and I received the 30 day message. I call twice after I replied and was told the application was processing.

On 4/28 my third call to customer service, I was told my application could not be found. I was on the phone with reps for at least an hour trying to fine my application. My application was found and then I was placed on hold for 20 min because they were processing my application. I was finally told that my application was approved but I could not get anymore information because the system was down.

On 4/30, I called again to inquire about the HDMC credit limt. I was approved for $10,000.

On 4/27, I applied for the CitiBusiness Platinum Select Thank You card and I got the 30 day message. On May 1, I was approved for $6000.

I was told to wait 90 days before I applied for the Citi AA and Citi PP.

business credit
[color=#3366FF]DNB: 78
[color=#3366FF]EXP: 61

personal credit 4/22/07
[color=#3366FF] EQ 675
[color=#3366FF] EX 606
[color=#3366FF] TU 638

[althes]

Got my Citibusiness Premier Pass 11,500
I am waiting to apply for Citibusiness Business Platinum with TY in June.
So I have AA visa and MC 6k each also.

[cheryl14]

Althes -congrats on your cards - would you mine sharing your experience?

Should you apply for all of them at once - do they do a personal pull for them all at once or what? Just don't want to much happening at once kinda nervous

thank you

Cheryl14

[althes]

if your personal is good but business file is light take a chance

[cheryl14]

Well I took the plunge - Argh!!
Not sure I made the right choice right now

Oh well thanks for sharing the info much needed

[RIHeadhunter]

Not me. I applied a week ago and received the standard response that I will hear via mail and I received a rejection letter today. I had some fairly serious credit problems a few years ago, but no BK.
Citi indicated that I had been in default in the last 2 years, which is not accurate.
I have not made a late payment in the last 2 years and I have cleaned up by paying all of my old delinquencies.
I have a 3 year old LLC with great credit (D&B paydex of 79), we have $200,000 worth of company owned automobiles, a $35,000 Dell account, accounts with Staples, Lowes and Home Depot, all PIF monthly.
On a personal level, I have a never late $420,000 mortgage that was paid off in December and a one year old $960,000 mortgage that has never been late, a First Premier secured card with a line of $5,000, and a Wells Fargo card that just went from secured to unsecured as well as some credit union lines of credit (Home Equity-$100,000 and a couple of $2500 overdraft protection) which I tap into occasionally and PIF each month. I should say that I just received an AMEX Optima card in the amount of $1500 which was 1/2 of an old (15 years) delinquent account that I used to have.
I earn almost a million dollars a year and still am having a tough time getting any significant lines of credit on a personal basis.
It would be nice for the sins of the past to remain in the past! Any comments for assistance would be greatly appreciated!

[rel]

Open acouple of secured cards..

Orchard , and National City.. Deposit the max you can.. They will report..

[buttonstheclown]

I just got approved for my second Cit card today. I have a citi platinum select with the thank you network that was approved for $6000 in May 2007.

I applied for the second Citi card with a rep on the phone on 6/11. I received a denial letter on 6/14 because the rep had me apply for a Citi platinum select that was not part of the thank you network. I called Citi and had them reconsider my application because the Platinum Select with the Thank you network is different from the regular Platinum Select. There are 4 Citi business cards not 3.


On 6/21, Citi called about some credit information ( personal pull) and the rep said I was approved. I am not sure about the credit limit but I will be receiving my card in 7 to 10 days.

I own a gift shop so I really need several cards to help pay for Fall and Christmas invoices. I am glad that Citi approved me.

I applied for 6 cards on 6/11 and here are the results:
CITI PLATINUM SELECT APPROVED NOT SURE THE CREDIT LIMIT PP
KEYBANK PENDING
CHASE DECLINED BUT RECEIVED A $5000 CLI ON EXTISTING ACCOUNT (chase approved me for a $7000 personal DISNEY REWARDS ON 6/11 BUT WOULD NOT APPROVE MY APPLICATION FOR A BUSINESS CARD)
FIRST HAWAIIAN BANK DENIED BECAUSE THEY DO NOT SERVICE GEORGIA
WAMU SMALL BUISNESS VISA APPROVED CL $1000 (I CLOSED THIS ACCOUNT BECAUSE THE LIMIT WAS TOO LOW AND THEY REFUSED TO INCREASE IT. THIS CARD IS A JOKE AND REPORTS ON YOUR PERSONAL CREDIT REPORT)
ADVANTA DENIED
JUNIPER BANK ? CAN'T FINE MY APP

I have not checked my business credit since the end of April 2007
DNB 78
EXP 61

Personal Credit 6/14/2007
EQ 681
EX 625
TU 663

Business Credit received since finding this site on 4/22/07
HD $5000 no pg 4/07
HOME EXPO $4000 no pg 4/07
HDMC $10000 pg 5/07
CITI THANK YOU PLATINUM SELECT $6000 pg 5/07
CITI PLATINUM SELECT APPROVED CL ? pg 6/07
US BANK WORLD PERKS VISA BUSINESS $10000 pg 6/07
SAMS $1000 6/07
CHASE AMAZON BUSINESS $5000 2/07 CLI $10000 6/11/07
CHASE AMAZON PERSONAL $10200 5/07
CHASE DISNEY REWARDS PERSONAL $7000 6/07
ULINE NET 30 5/07
BARNES AND NOBLES $500 NET 30 5/07
BORDERS $1000 NET 30 6/07
LOWES $1500 6/07 NO PG approved after applying 3 times
OFFICE DEPOT $3000 4/07 NO PG
AMAZON $1000 4/07 NO PG
WALMART $1000 5/07 CLI $1500 5/07 NO PG
STAPLES $3000 4/07 NO PG
SHELL $500 4/07 NO PG
PHILLIPS 66, CONCO, 76 $1000 4/07 NO PG
DELL DECLINED 4 TIMES
BEST BUY DECLINED
OFFICE MAX wanted pg so I will wait
EXXON wanted pg so I will wait
ADVANTA DECLINED TWICE 4/07, 6/07
WELS FARGO DECLINED 4/07
SAMS DISCOVER DECLINED 4/07, 6/07
KEYBANK ?
JUNIPER ?
WAMU $1000 6/07 ( CLOSED ACCOUNT BECAUSE OF LOW CREDIT LIMIT)
AMEX DECLINED TWICE
CAPITAL CITY BANK VISA $3000 2/07
CAPITAL CITY BANK LINE OF CREDIT $15000 12/06
BOFA LOC DECLINED
HD HOME IMPROVEMENT LOAN $18000
AMAZON PERSONAL $500 4/07 CLI $650 6/07

Total business credit before CREDITBOARDS 12/06- 4/21/07: $23000
Total business credit since 4/22/07 with CREDITBOARDS: $59000

Total personal credit before 4/22/07 without CREDITBOARDS: $1400
Total personal credit after 4/22/07 with CREDITBORADS: $37250

[RIHeadhunter]

bump


Not me. I applied a week ago and received the standard response that I will hear via mail and I received a rejection letter today. I had some fairly serious credit problems a few years ago, but no BK.
Citi indicated that I had been in default in the last 2 years, which is not accurate.
I have not made a late payment in the last 2 years and I have cleaned up by paying all of my old delinquencies.
I have a 3 year old LLC with great credit (D&B paydex of 79), we have $200,000 worth of company owned automobiles, a $35,000 Dell account, accounts with Staples, Lowes and Home Depot, all PIF monthly.
On a personal level, I have a never late $420,000 mortgage that was paid off in December and a one year old $960,000 mortgage that has never been late, a First Premier secured card with a line of $5,000, and a Wells Fargo card that just went from secured to unsecured as well as some credit union lines of credit (Home Equity-$100,000 and a couple of $2500 overdraft protection) which I tap into occasionally and PIF each month. I should say that I just received an AMEX Optima card in the amount of $1500 which was 1/2 of an old (15 years) delinquent account that I used to have.
I earn almost a million dollars a year and still am having a tough time getting any significant lines of credit on a personal basis.
It would be nice for the sins of the past to remain in the past! Any comments for assistance would be greatly appreciated!
[/quote]

[rel]

Open acouple of secured cards..

Orchard , and National City.. Deposit the max you can.. They will report..

You will begin to get alot higher limits..

[craw]

I just got approved for my second Cit card today. I have a citi platinum select with the thank you network that was approved for $6000 in May 2007.

I applied for the second Citi card with a rep on the phone on 6/11. I received a denial letter on 6/14 because the rep had me apply for a Citi platinum select that was not part of the thank you network. I called Citi and had them reconsider my application because the Platinum Select with the Thank you network is different from the regular Platinum Select. There are 4 Citi business cards not 3.


On 6/21, Citi called about some credit information ( personal pull) and the rep said I was approved. I am not sure about the credit limit but I will be receiving my card in 7 to 10 days.

I own a gift shop so I really need several cards to help pay for Fall and Christmas invoices. I am glad that Citi approved me.

I applied for 6 cards on 6/11 and here are the results:
CITI PLATINUM SELECT APPROVED NOT SURE THE CREDIT LIMIT PP
KEYBANK PENDING
CHASE DECLINED BUT RECEIVED A $5000 CLI ON EXTISTING ACCOUNT (chase approved me for a $7000 personal DISNEY REWARDS ON 6/11 BUT WOULD NOT APPROVE MY APPLICATION FOR A BUSINESS CARD)
FIRST HAWAIIAN BANK DENIED BECAUSE THEY DO NOT SERVICE GEORGIA
WAMU SMALL BUISNESS VISA APPROVED CL $1000 (I CLOSED THIS ACCOUNT BECAUSE THE LIMIT WAS TOO LOW AND THEY REFUSED TO INCREASE IT. THIS CARD IS A JOKE AND REPORTS ON YOUR PERSONAL CREDIT REPORT)
ADVANTA DENIED
JUNIPER BANK ? CAN'T FINE MY APP

I have not checked my business credit since the end of April 2007
DNB 78
EXP 61

Personal Credit 6/14/2007
EQ 681
EX 625
TU 663

Business Credit received since finding this site on 4/22/07
HD $5000 no pg 4/07
HOME EXPO $4000 no pg 4/07
HDMC $10000 pg 5/07
CITI THANK YOU PLATINUM SELECT $6000 pg 5/07
CITI PLATINUM SELECT APPROVED CL ? pg 6/07
US BANK WORLD PERKS VISA BUSINESS $10000 pg 6/07
SAMS $1000 6/07
CHASE AMAZON BUSINESS $5000 2/07 CLI $10000 6/11/07
CHASE AMAZON PERSONAL $10200 5/07
CHASE DISNEY REWARDS PERSONAL $7000 6/07
ULINE NET 30 5/07
BARNES AND NOBLES $500 NET 30 5/07
BORDERS $1000 NET 30 6/07
LOWES $1500 6/07 NO PG approved after applying 3 times
OFFICE DEPOT $3000 4/07 NO PG
AMAZON $1000 4/07 NO PG
WALMART $1000 5/07 CLI $1500 5/07 NO PG
STAPLES $3000 4/07 NO PG
SHELL $500 4/07 NO PG
PHILLIPS 66, CONCO, 76 $1000 4/07 NO PG
DELL DECLINED 4 TIMES
BEST BUY DECLINED
OFFICE MAX wanted pg so I will wait
EXXON wanted pg so I will wait
ADVANTA DECLINED TWICE 4/07, 6/07
WELS FARGO DECLINED 4/07
SAMS DISCOVER DECLINED 4/07, 6/07
KEYBANK ?
JUNIPER ?
WAMU $1000 6/07 ( CLOSED ACCOUNT BECAUSE OF LOW CREDIT LIMIT)
AMEX DECLINED TWICE
CAPITAL CITY BANK VISA $3000 2/07
CAPITAL CITY BANK LINE OF CREDIT $15000 12/06
BOFA LOC DECLINED
HD HOME IMPROVEMENT LOAN $18000
AMAZON PERSONAL $500 4/07 CLI $650 6/07

Total business credit before CREDITBOARDS 12/06- 4/21/07: $23000
Total business credit since 4/22/07 with CREDITBOARDS: $59000

Total personal credit before 4/22/07 without CREDITBOARDS: $1400
Total personal credit after 4/22/07 with CREDITBORADS: $37250

DELL DECLINED 4 TIMES

you have to order something first and once you get to the checkout, call them and say I was buying this and had trouble with the website

I was approved on the spot 5k

[gurl*sunshine]

Hey guys-

Want your (3) fico scores immed? Try this company. There are great. No money up front x30days-after will cost 9.95 per month.

www dot mycreditkeeper dot com.

Edited by MarvBear, 03 September 2007 - 10:17 PM.
outbound links need prior approval

[MarvBear]

Hey guys-

Want your (3) fico scores immed? Try this company. There are great. No money up front x30days-after will cost 9.95 per month.

www dot mycreditkeeper dot com

That's for personal credit files, not biz credit related files. There are numerous discussions on the main credit forum regarding mycreditkeeper or whatever it is called nowadays.

[RALPHN504]

Open acouple of secured cards..

Orchard , and National City.. Deposit the max you can.. They will report..

If this is for a business accounts please send me the link or phone number to apply for any secured biz account credit card that will report-THANKS

[ouchthatburns]

Well I think some must just be slipping through the cracks with the Citi biz cards because we applied online yesterday and have a very strong busess D&B and Exp and do nearly $4MIL a year in sales and the very first thing they did was pull my personal EQF report.

Doesn't matter what your score is or business volume if you are appling for a citibusiness card they will always pull a personal report, as they are all pg. I believe that there may be a citibank corporate card for businesses that may not always require a pg if you have a lot of assets and long history, but I would speak to citibank about the details and requirements for no pg.

A good rule is: Unless you get an application that says that no personal guarentee is required...it is.