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Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011

Approved Chase Ink Business and AMEX Green

[ Edited ]

First off, thank you for this great site. This forum is credit heaven. I have been creeping around with this site for 3 months and have learned so much, wish I've known what I know now.

 

Just got  approved for a AMEX Green and Chase Ink Business.

 

AMEX Green - applied 10/06, got the "PROGESS" in application status. call in and was reviewed by a nice man. was only asked for my bank account verification with my banker. then was approved :smileyhappy:

 

Chase Ink Business - applied and got "Wait for 7-10 days in mail". called them 3 days later to check status. was told denied due to one collection (apartment lease) and one charge-off (Electric), both 5 years ago for being on the apartment lease with a roommate. explained just that and was ask how much do I plan to use each month for my business. told him average is 3-4k and was approved for 5k. He also mention to call back in a few months for a CLI which is great.

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Credit as of apped

Good Account:

CapOne Plat Visa - 3k 4 years old (was approved for 500 and auto cli to 3k after one year)

 

CapOne Plat Visa Mastercard - 750 2 years old (was approved for 300, was offered 450 cli after six months)

 

HSBC RZBestBuy - 300 1 year old (not reporting to CRA when not being used. call in last week and was told they do not report if account is in active so I cancel right there and then due to crappy CL and not reporting. it felt good.)

 

Chase Freedom - 11,700 12 years old (AU with my wife account)

 

Wells Fargo Auto Loan - 15,000 5 years term with 833 balance

 

Bad Accounts:

$1,356 collection for an apartment lease in 2005

 

$81 charge-off for utility in 2005 (for same time as above) didn't pay because i moved out before lease was over and roommate agreed to continue the lease until end of lease

 

$853 collection for T-Mobile in 2008. was not mine, so i refused to pay it. co-signed for a brother in 2004.

_____________________________________________________________________________________________

 

Ran a mortgage loan to get free FICO score after reading up on this forum. didn't think my FICO score was high so did not cared but was very suprised to see these scores :smileysurprised:

FICO SCORES: EX - 683, TU - 664, EQ - 667

 

AAoA: 4 years

Credit History: 10 years

 

Seeing these scores I apped for these two cards. Actually I got a "Pre-Selected" mail for these both cards. I also got the "Pre-Selected" mail for the AMEX Gold but didn't try due to AF being $125.

 

I am very happy for now but still want a Discover More card to complete my cards collection (for now):smileytongue: Hope these info can help someone with similar status and is wanting to apply.

Frequent Contributor
raenys
Posts: 387
Registered: ‎08-25-2011

Re: Approved Chase Ink Business and AMEX Green

Congratulations on both cards!

 

I got the Chase INK Cash last month. So far I am liking it alot.

 

Which INK product did you get? (regular, Cash or Bold)

Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

Re: Approved Chase Ink Business and AMEX Green

Congrats !!

 

Both great cards :smileyhappy:




Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011

Re: Approved Chase Ink Business and AMEX Green

[ Edited ]

Thank you. I got the regular Ink afraid of being deny for the BOLD.

 

edit: i got the Cash actually.

Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011

Re: Approved Chase Ink Business and AMEX Green

Thank you never been happier.

Frequent Contributor
raenys
Posts: 387
Registered: ‎08-25-2011

Re: Approved Chase Ink Business and AMEX Green

That's great. 

I actually went for the cash specifically because I liked the catagories for the bonus cash back. I do a lot of spending in those areas and preferred that over just 1 point back per dollar on the BOLD.

 

You got two really nice approvals!!

Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011

Re: Approved Chase Ink Business and AMEX Green

Thanks again. Same reason why I chose the Cash:smileyhappy:

Frequent Contributor
raenys
Posts: 387
Registered: ‎08-25-2011

Re: Approved Chase Ink Business and AMEX Green

You know what they say....."great minds....."

HEHE


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