topic Re: Exxon/Mobil - No PG - $2000.00 **Approval in Business Credit

Exxon/Mobil - No PG - $2000.00 **Approval

M_Smart007 — Mon, 10 Jan 2022 15:18:43 GMT

Citi backed Exxon/Mobil - No PG - $2000.00 **Approval

This is a No PG Approval.

They Did NOT pull personal credit, I did NOT check "Guarantor Box"

Applied with six year old LLC.

Since @cashorcharge is pestering me about not having enough fuel cards,

I thought "hmmmmm" might as well get one more

Applied on the 8th .. got the "We need More Info" ..I am sure it was just an Identity checkpoint.

Called in this morning ...

Nice Lady said, "you are already approved for $2000.00 .. card will arrive in 7-10 biz days."

(click image to enlarge)

Re: Exxon/Mobil - No PG - $2000.00 **Approval

TC1212 — Mon, 10 Jan 2022 16:30:46 GMT

@M_Smart007 Congrats. I got approved last week for 1k. New business (less than a year).

Re: Exxon/Mobil - No PG - $2000.00 **Approval

cashorcharge — Mon, 10 Jan 2022 17:38:03 GMT

So suffice to say, you're not shopping for a Tesla anytime soon? LOL!!

Congrats my friend!! WOOHOO!!!!

I love that these fuel cards are not PG and will help fill up that EX Business Report

Re: Exxon/Mobil - No PG - $2000.00 **Approval

sugarcreek67 — Mon, 10 Jan 2022 23:55:05 GMT

Congrats on the approval

Re: Exxon/Mobil - No PG - $2000.00 **Approval

Anonymous — Tue, 11 Jan 2022 00:24:54 GMT

Congrats!!!

Re: Exxon/Mobil - No PG - $2000.00 **Approval

Conceptual23 — Tue, 11 Jan 2022 11:25:12 GMT

Congratulations on the approval. I just submitted an application for this card after reading your post and received the "we need more info" page. I'll give them a call in a bit to find out what happened.

Re: Exxon/Mobil - No PG - $2000.00 **Approval

M_Smart007 — Tue, 11 Jan 2022 11:31:17 GMT

@Conceptual23 wrote:
Congratulations on the approval. I just submitted an application for this card after reading your post and received the "we need more info" page. I'll give them a call in a bit to find out what happened.

Hi there! and thank you.

It is probably just ID verification?

Wishing for a favorable outcome.

please let us know how it goes?

Re: Exxon/Mobil - No PG - $2000.00 **Approval

Conceptual23 — Tue, 11 Jan 2022 14:48:20 GMT

My application was declined due to insufficient business credit.

Re: Exxon/Mobil - No PG - $2000.00 **Approval

M_Smart007 — Tue, 11 Jan 2022 15:19:31 GMT

@Conceptual23 wrote:
My application was declined due to insufficient business credit.

Sorry for your denial

Re: Exxon/Mobil - No PG - $2000.00 **Approval

Conceptual23 — Tue, 11 Jan 2022 17:31:10 GMT

Thanks. I kind of expected it, to be honest. My business credit profile is fairly new and I'm still waiting for a handful of accounts to be reported.

Re: Exxon/Mobil - No PG - $2000.00 **Approval

Anonymous — Tue, 11 Jan 2022 18:43:12 GMT

@Conceptual23 wrote:
My application was declined due to insufficient business credit.

I had such a hard time with a few Citi apps, but I kept submitting them and eventually I got them all. CLI's are tough as well, they have pulled my personal credit on a few, even through the account has no PG. I've screamed at a few reps over that, and although they promised to retract the inquiry, they are still showing.

Re: Exxon/Mobil - No PG - $2000.00 **Approval

M_Smart007 — Wed, 12 Jan 2022 05:20:47 GMT

@Anonymous wrote:
@Conceptual23 wrote:
My application was declined due to insufficient business credit.
I had such a hard time with a few Citi apps, but I kept submitting them and eventually I got them all. CLI's are tough as well, they have pulled my personal credit on a few, even through the account has no PG. I've screamed at a few reps over that, and although they promised to retract the inquiry, they are still showing.

@Anonymous, Would you mind sharing your Citi backed cards that you hold? .. Thanks

Re: Exxon/Mobil - No PG - $2000.00 **Approval

LP007 — Wed, 12 Jan 2022 13:03:34 GMT

@Conceptual23 wrote:
My application was declined due to insufficient business credit.

Re: Exxon/Mobil - No PG - $2000.00 **Approval

Conceptual23 — Wed, 12 Jan 2022 14:39:24 GMT

@Anonymous @I can imagine how annoying that was. What was your reason for being declined? How long did you wait before reapplying?

Re: Exxon/Mobil - No PG - $2000.00 **Approval

Anonymous — Thu, 13 Jan 2022 21:52:35 GMT

@M_Smart007 wrote:
@Anonymous wrote:
@Conceptual23 wrote:
My application was declined due to insufficient business credit.
I had such a hard time with a few Citi apps, but I kept submitting them and eventually I got them all. CLI's are tough as well, they have pulled my personal credit on a few, even through the account has no PG. I've screamed at a few reps over that, and although they promised to retract the inquiry, they are still showing.
@Anonymous, Would you mind sharing your Citi backed cards that you hold? .. Thanks

Sorry I wasn't paying attention :-). Staples, Office Depot, Sunoco, Exxon, Home Depot.

The Luv button asks for your SS as a mandatory field, so if you submit that way, they will pull your personal credit, even though the line is Biz Only. So I recommend you either stick with the SL you get or phone in your CLI request, but even then they're going to ask for the your SS.

Home Depot was a the toughest one, I was denied 20 times for that card, and always just threw the letters out after they arrived, but the last time I decided to call the number on the letter. I asked the rep why I kept getting denied for this card when I had other Citi cards, which she didn't have an answer, but she asked me if I would hold while she looked the application over to see if she could figure out why it was denied. A few minutes later she came back and said she couldn't find a reason why it was denied, and if I wanted she could approve it for $10k, I said alright.

Re: Exxon/Mobil - No PG - $2000.00 **Approval

Anonymous — Thu, 13 Jan 2022 22:06:16 GMT

@Conceptual23 wrote:
@Anonymous @I can imagine how annoying that was. What was your reason for being declined? How long did you wait before reapplying?

I was app'ing practically every 30 or so. At first they kept saying my business was 3 or more years old, or at least that's not what Experian was reporting. I was able to get the rep for Office Depot to look at D&B and when he came back he acknowleged they showed longer than 3 years, and offered a $500 SL, which I took, but wasn't very happy about. Later I got a CLI to $3k.

Staples, I received a call telling me I didn't submit the authorizing Officer section of the application, which I knew I did, because it was still on the Fax machine. I resubmitted it, and that rep called me back and said she needed a few hours to look it over, but never called back. The following month I faxed the app again, and received a call, this time the rep said the same thing, at which I told her about the previous app, she put me on hold for a few, came back, said she found the missing section, needed time, would call me later, which she did and said it was approved for $2k.

Sunoco and Exxon both were approved after 10 applications or so, again citing business not old enough, but eventually they were both approved for $1k each, but at different times. Submitting CLI's online and both bumped to $5k each.

Citi has since updated the online CLI submittion form to require the SS of the submitting officer, and it always results in them pulling personal credit for an account that's not PG'd. I decided it's not worth the trouble to argue with them and will keep the CL's where they are, but I fully expect Citi to sell the remaining gas cards to WEX, and when they do, I'll lose them, because that's what happened with Shell and Velaro.

For whatever reason I do not meet WEX internal guidelines for approval, so they can go to you know where....

Re: Exxon/Mobil - No PG - $2000.00 **Approval

M_Smart007 — Thu, 27 Jan 2022 02:22:52 GMT

Card arrived today.

Ready to use.