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since
09-18-2007
12-15-2023
Red1Blue
Super Contributor
9085
Posts
3969
Kudos
03-21-2022
05:58 PM
@dragontears wrote: Does your business use tractor supply on a regular basis? Hi @dragontears Yes. We use Tractor Supply Company on a regular basis.
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03-21-2022
05:23 PM
4 Kudos
Congratulations @Shaed251
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03-21-2022
03:37 PM
I went online and applied for Tractor Supply Company Business Card with Credit Limit $1000 and Citi approved it. I did not give PG. I could have asked for more limit but my goal is to strengthen my Business Reports and add more accounts to it. TSC card is issued from Citi and hopefully it will grow and also open doors for other Business Cards with Citi. So far 2 accounts from Synch (Sams Store, Amazon Net55), 1 Account with Citi (HomeDepot. TSC is second) 1 Account with Amex (Amazon Amex Business Card), 1 CaptialOne ( Walmart Community). Comenity is tough one for me to crack. May be Floor and Decor with Comenity. We will see. So far my Business Credit Reports are growing nicely.
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03-21-2022
01:23 PM
2 Kudos
Congratulations @dcp0524 I too was approved for this card last night. Looking forward for the card to arrive in the mail.
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03-21-2022
01:12 PM
It depends on the credit card issuer. BOA / US Bank / American Express are okay with if the reports are frozen. I also have Blaze and First Savings Credit cards. When I ask for CLI they do a soft inqury but they want the reports to be unfrozen. Every company has their own policy
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03-21-2022
09:36 AM
Even if you drive not sure if the offices are working full swing due to covid shutdowns. Search the forum and you'll have some phone numbers and executive email contacts.
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03-21-2022
08:20 AM
5 Kudos
Last night approved for Amazon Business Prime American Express Card. I dont want to add any new inquires or accounts to my personal credit report/ This is for my Business. Second major credit card after my FNBO Evergreen Business Card. I am being very selective in Business Card selection to my Business and let Business Credit scores grow.
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03-21-2022
05:32 AM
2 Kudos
Congratulations @CreditFun
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03-21-2022
05:31 AM
1 Kudo
Congratulations @krit
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03-20-2022
08:19 PM
Congratulations @Dreamliner
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03-20-2022
08:06 PM
4 Kudos
Congratulations @username7
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03-20-2022
08:04 PM
2 Kudos
Congratulations @Hut1
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03-20-2022
08:03 PM
2 Kudos
Congratulations @TheRedHat
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03-20-2022
05:37 AM
7 Kudos
I checked my Walmart Business Community Card account issued by CapitalOne. I received cli from $2500 - $3000. Small increase but I'll take it since it is a no PG Card. I have the account for 3 months and 3 statements cut so far. Paid in full all the time and carried no balance.
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03-18-2022
07:30 AM
1 Kudo
@FinStar wrote: As far as inquiries go, US Bank is not "abusing" the process - FYI. As far as the 4 HPs you mentioned, you applied for 2 new secured accounts and you attempted to unsecure 2 other USB CCs. That's been their UW policy all along. I realize gardening has been a challenge for you, but you can't blame USB for said HP activities 🤷♂️ Hi @FinStar I am not saying US Bank policy is good or bad. I have 4 more inquires from them on my EX. I dont see 4+4 inqs in 2 weeks period. I am sure many CUs would use the same hard inq for 30 days for several lending decisions. I guess it is what it is. Water under the bridge and these inqs will wash off the report in few months. What I am afraid is end of this year when they try to unsecure my 2 secured cards they will pull another 2-4 hard inqs to add to my report. This is never ending torture. I might let them keep my money for few more months and do not ask for them unsecure my $10k cards I have with them and not add more hard inqs on my reports. Any way for now I know how each lender would behave and react.
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03-18-2022
07:22 AM
@dragontears wrote: Lol "only" 8 inquiries less than a year old? I totally see why they wouldn't like that. For the average consumer, that is pretty extensive credit seeking behavior. Hi @dragontears I understand how you feel about it. But 4 inquires are from US Bank alone that deals with my secured cards. Otherwise it is only 4 /12. I am sure they could have done it with soft inqs instead of 4 hard inqs. Any way it is water under the bridge and these inquiries will wash off.
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03-18-2022
07:14 AM
@FinStar wrote: There's been DPs on similar declined outcomes @Red1Blue. I mean, they're not wrong, right? Hi @FinStar I am not sure what to think. I think GS is changing some of their lending rules after they started issuing the GM Cards. I am sure they are revamping their rules. We will know soon in the future what changes they are making.
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03-18-2022
07:11 AM
1 Kudo
@Papa_Bear wrote: That's what I currently get, but honestly, I rather it say that then decline me for my BK7. Hi @Papa_Bear may I ask how many inquires do you have on your TU. I have total 13 on my TU. I have only 8 in the last 12 months. 4 of them from US Bank 2 for unsecuring my secured cards and 2 for increasing the limit on my secured cards. Without those 4 from US Bank I would be only 4 in the last 12 months. Well I can live with out cli from Apple card but I dont understand how many inqs are too many inqs and also how some lenders abuse the Hard Inqs.
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03-18-2022
06:25 AM
I got this message and cli decline on my Apple card. Did you any one come across this? Any thoughts. -------------------- Goldman Sachs Bank USA could not approve your request for a credit limit increase because: Your TransUnion credit report shows you've made multiple recent applications for credit, which have resulted in hard inquiries on your credit file Goldman Sachs Bank USA received your credit score from TransUnion Consumer Solutions. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. Your credit score (TransUnion FICO® Score 9) as of February 22, 2022: 711 Credit scores range from a low of 300 to a high of 850.
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03-18-2022
06:22 AM
3 Kudos
Congratulations for your Chase Amazon card cli.
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03-18-2022
05:26 AM
2 Kudos
Congratulations for your new card approval.
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03-18-2022
05:20 AM
Interesting look for the card. I think Amazon and Arrow logo belongs to Amazon and might have let Chase use it. Now probably they are letting Synch use it also.
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03-18-2022
05:18 AM
3 Kudos
Congrats on your new card approval
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03-17-2022
02:19 PM
1 Kudo
To start with call Cap One and make sure the amount is properly processed and credited. They will tell you what is the best approach to take. I would not worry too much about CLD and AA. What other cards do you have?
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03-17-2022
01:05 PM
5 Kudos
Congratulations
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03-17-2022
12:45 PM
2 Kudos
Congratulations @abdi12 for your Apple Card clis. Impressive.
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03-17-2022
10:23 AM
3 Kudos
Congratulations for your FNBO Card approval.
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03-17-2022
08:21 AM
3 Kudos
Congrtulations @CashBackQueen for your Capital One card cli.
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