topic Re: Arco Business MasterCard Approved NO PG in Business Credit

Arco Business MasterCard Approved NO PG

Creditaddict — Wed, 12 Sep 2018 15:06:21 GMT

Finally!

FleetCor can be a real 1980's to deal with sometimes.

I have the Driven MC already with a $20,500 limit and my biggest complaint is zero rewards which pains me to use the card but after several months of constant declines for fraud, they seemed to have warmed up to me and my spending so the card works good when I need a little more time than our Amex Charge due to timing of statements closing.

But about 2 or so months ago I saw that Arco or Fleet released the MC version of the store card with the gas discount and I knew it would be much better than our Driven MC Product. I applied and was denied and told that you can only have one Fleetcor product.

WHAT, WHY, they are different companies that you are representing.... nothing.

Fine, move the CL from my Driven MC and close that and open the Arco... NO!

Fast forward and I received an email inviting me to apply for the Arco Gas Card.

I applied... next morning had a voicemail to call and several emails.

I called and confirmed the app and he said he would call back within 24 hours.

I received email next morning that the account was approved with half deposit. You give $1000, they give you $2000... UMM did someone hit their head. NO

Well then in the afternoon I receive a call, it's my rep and he says it's approved!

I didn't even mention the emails I received so I said what's the limit.

He says $3k (i'll deal with that later compared to my Driven MC limit)

I said is it just store card? he says yes.

I said how do I get the MC?

He's like since cards have not shipped let me go ahead and request that right now.

This morning:

Congratulations!
Your ARCO Business Solutions Mastercard®account is approved

They are odd birds but I'm good with them right now!

Re: Arco Business MasterCard Approved NO PG

Aspireto850 — Fri, 14 Sep 2018 17:38:52 GMT

@creditaddict

Congrats!

Are you able to use that card on everything or just fuel purchases?

Re: Arco Business MasterCard Approved NO PG

Creditaddict — Fri, 14 Sep 2018 17:51:55 GMT

If you get upgraded to the MasterCard it can be used anywhere

Re: Arco Business MasterCard Approved NO PG

pizza1 — Fri, 14 Sep 2018 18:26:13 GMT

LOLOL!!! I LOVE reading your posts!! They are filled with this sense of fire and intense compassion!! Of course, only that people that know you well enough would know what I mean by that, Congrats to you on the approval!!!

Re: Arco Business MasterCard Approved NO PG

B335is — Thu, 20 Sep 2018 23:55:09 GMT

Congrats on the approval!

I went and applied, it didn’t even ask for annual revenue. I got a generic response that they would contact me. The next day I got an email with a link that looked like spam, but then a day later the cards arrived.

The activation was screwy because the 5 digit pin codes didn’t match what I requested. So after repeating my phone number 5 times they decided it must really be me. Anyways, $1200 limit, kind of low but for no PG and finally a card to use at Arco I’ll take it.

Re: Arco Business MasterCard Approved NO PG

Anonymous — Wed, 19 Dec 2018 17:40:00 GMT

I applied 2-days ago and got a call today with a conditional approval similar to yours....If I deposit $500 my limit is $1500. I told my rep I'd call him back with what amount i want to deposit. Of course I wanted to come to the forum to see if anyone else had this experience....having to to make a deposit seemed weird but for no PG I'll take it!

Re: Arco Business MasterCard Approved NO PG

Creditaddict — Wed, 19 Dec 2018 18:18:51 GMT

@Anonymous wrote:
I applied 2-days ago and got a call today with a conditional approval similar to yours....If I deposit $500 my limit is $1500. I told my rep I'd call him back with what amount i want to deposit. Of course I wanted to come to the forum to see if anyone else had this experience....having to to make a deposit seemed weird but for no PG I'll take it!

I like the Driven MC WAY Better and it's the same silly bank.

I was given $20,400 with NO PG on a Mastercard that is open to charging on MC unlike this stupid Arco program... Additionally the Driven MC is a full 25 days to pay vs. the arco is 7-14.

Re: Arco Business MasterCard Approved NO PG

BPebbles — Thu, 20 Dec 2018 14:28:36 GMT

Hi @Creditaddict, I googled, but I can’t seem to find a link to the Driven MC. Do you have a link to info on the card or to apply for it?

Re: Arco Business MasterCard Approved NO PG

Anonymous — Thu, 20 Dec 2018 14:29:28 GMT

@BPebbles wrote:
Hi @Creditaddict, I googled, but I can’t seem to find a link to the Driven MC. Do you have a link to info on the card or to apply for it?

@BPebbles I edited your post to tag CreditAddict. That way he is more likely to see your question.

Re: Arco Business MasterCard Approved NO PG

Creditaddict — Thu, 20 Dec 2018 16:57:34 GMT

@Anonymous wrote:
@BPebbles wrote:
Hi @Creditaddict, I googled, but I can’t seem to find a link to the Driven MC. Do you have a link to info on the card or to apply for it?
@BPebbles I edited your post to tag CreditAddict. That way he is more likely to see your question.

I actually don't see an application for it anymore either.

Comdata Construction Card this card is new to me on the list though.

Re: Arco Business MasterCard Approved NO PG

BPebbles — Thu, 20 Dec 2018 18:13:08 GMT

@Anonymous wrote:
@BPebbles wrote:
Hi @Creditaddict, I googled, but I can’t seem to find a link to the Driven MC. Do you have a link to info on the card or to apply for it?
@BPebbles I edited your post to tag CreditAddict. That way he is more likely to see your question.

Thanks Irish! :-)

Re: Arco Business MasterCard Approved NO PG

BPebbles — Thu, 20 Dec 2018 18:15:54 GMT

@Creditaddict wrote:
@Anonymous wrote:
@BPebbles wrote:
Hi @Creditaddict, I googled, but I can’t seem to find a link to the Driven MC. Do you have a link to info on the card or to apply for it?
@BPebbles I edited your post to tag CreditAddict. That way he is more likely to see your question.
I actually don't see an application for it anymore either.
Comdata Construction Card this card is new to me on the list though.

Interesting - maybe the Driven MC is/was a limited offer card and they're no longer offering it? If so, that's a shame. :-\

Re: Arco Business MasterCard Approved NO PG

MyDataMyChoice — Thu, 27 Dec 2018 16:18:17 GMT

I applied for the BP MasterCard and got an approval email this morning - only $800 limit but I’ll take it

How do I know if it is for everywhere? Looking for net 30

Re: Arco Business MasterCard Approved NO PG

Anonymous — Fri, 10 May 2019 16:03:06 GMT

I applied for my small business as well. They too are asking for 1/3 deposit up to 1600. I do not want to leave a deposit, especially when they are requesting my business checking account routing & account number for the deposit! I will wait it out as I do want to build business credit. Hopefully they will come back with a $1000 limit w/ no PG and no deposit. They really do not have a bunch of benefits or rewards. I will update when I hear back.

Re: Arco Business MasterCard Approved NO PG

MyDataMyChoice — Sat, 11 May 2019 02:48:44 GMT

The originally wanted 50% deposit for me too... however I said NO.... and reapplied a week or so later... and it went thru

Re: Arco Business MasterCard Approved NO PG

Anonymous — Tue, 14 May 2019 15:25:41 GMT

Is this the card you're looking for?

Re: Arco Business MasterCard Approved NO PG

GApeachy — Tue, 14 May 2019 15:51:52 GMT

@Anonymous wrote:
Is this the card you're looking for?

Thank you @Janus for posting link. I just hung up the phone with them. I asked about applying w/o pg and she said we can try it but they perfer pg. I told her I don't think our Business credit score is up to par enough just yet and that I will wait a couple of months to see where we stand score wise. She is sending me info. to hang on to so when I'm ready I'll have it.

Thank you again and Thanks for the original post OP!!!!!!!

Re: Arco Business MasterCard Approved NO PG

GApeachy — Tue, 14 May 2019 15:53:24 GMT

@Creditaddict wrote:
Finally!

FleetCor can be a real 1980's to deal with sometimes.

I have the Driven MC already with a $20,500 limit and my biggest complaint is zero rewards which pains me to use the card but after several months of constant declines for fraud, they seemed to have warmed up to me and my spending so the card works good when I need a little more time than our Amex Charge due to timing of statements closing.

But about 2 or so months ago I saw that Arco or Fleet released the MC version of the store card with the gas discount and I knew it would be much better than our Driven MC Product. I applied and was denied and told that you can only have one Fleetcor product.
WHAT, WHY, they are different companies that you are representing.... nothing.
Fine, move the CL from my Driven MC and close that and open the Arco... NO!

Fast forward and I received an email inviting me to apply for the Arco Gas Card.
I applied... next morning had a voicemail to call and several emails.
I called and confirmed the app and he said he would call back within 24 hours.
I received email next morning that the account was approved with half deposit. You give $1000, they give you $2000... UMM did someone hit their head. NO
Well then in the afternoon I receive a call, it's my rep and he says it's approved!
I didn't even mention the emails I received so I said what's the limit.
He says $3k (i'll deal with that later compared to my Driven MC limit)
I said is it just store card? he says yes.
I said how do I get the MC?
He's like since cards have not shipped let me go ahead and request that right now.
This morning:
Congratulations!
Your ARCO Business Solutions Mastercard®account is approved

They are odd birds but I'm good with them right now!

Have you had any issues using this card anywhere?

Re: Arco Business MasterCard Approved NO PG

Creditaddict — Tue, 14 May 2019 16:39:49 GMT

@GApeachy wrote:
@Creditaddict wrote:
Finally!

FleetCor can be a real 1980's to deal with sometimes.

I have the Driven MC already with a $20,500 limit and my biggest complaint is zero rewards which pains me to use the card but after several months of constant declines for fraud, they seemed to have warmed up to me and my spending so the card works good when I need a little more time than our Amex Charge due to timing of statements closing.

But about 2 or so months ago I saw that Arco or Fleet released the MC version of the store card with the gas discount and I knew it would be much better than our Driven MC Product. I applied and was denied and told that you can only have one Fleetcor product.
WHAT, WHY, they are different companies that you are representing.... nothing.
Fine, move the CL from my Driven MC and close that and open the Arco... NO!

Fast forward and I received an email inviting me to apply for the Arco Gas Card.
I applied... next morning had a voicemail to call and several emails.
I called and confirmed the app and he said he would call back within 24 hours.
I received email next morning that the account was approved with half deposit. You give $1000, they give you $2000... UMM did someone hit their head. NO
Well then in the afternoon I receive a call, it's my rep and he says it's approved!
I didn't even mention the emails I received so I said what's the limit.
He says $3k (i'll deal with that later compared to my Driven MC limit)
I said is it just store card? he says yes.
I said how do I get the MC?
He's like since cards have not shipped let me go ahead and request that right now.
This morning:
Congratulations!
Your ARCO Business Solutions Mastercard®account is approved

They are odd birds but I'm good with them right now!
Have you had any issues using this card anywhere?

Driven MC.

It frauds quite a bit, it's gotten a little better but it sends an email but than still doesn't unlock usually and I have to call.

They just rolled out 2% cash back for 90 days and than 1% moving forward which is great because it pained me to use the card with no rewards but I received an email, a mailing, and a phone call saying because of my great account history I was pre-approved to open my card up for ALL MC purchases and get this cash back and possibly credit line increase. I was like the cash back is great but I already have charging privileges. The lady I was speaking to on the phone could not find that and said she needed to look in... she called me back like 30 minutes later saying no, I have a gas card and maintenance only, was I confused... I was like are you high... look at my charges on the account right now, they are not fuel or mant... she was very confused.

I have a $20,500 limit since opening, I'm waiting to see if they approve the increase to $30k with my new cashback... they overnighted me new cards (which are the same cards I had) with new numbers because of course, they don't think I had MC charging before (sigh)

My huge limit is nice, full 30 days to pay after a statement is nice, but if you need to speak to them... ugh.

They don't use the credit card account number they use an account code (took me a bit to understand that)

The system literally doesn't pull up accounts using the credit card number!!!

I don't know how they have stayed in business frankly.

The online system is something to be desired too

but again $20k limit with no pg can be quite nice for those that can't get the Amex or the Chase.

Re: Arco Business MasterCard Approved NO PG

GApeachy — Tue, 14 May 2019 17:10:45 GMT

I agree, 20k- no pg would be awesome. I will be trying for this once our scores go up a little more. Thanks for all the imput, that helps a lot.