Amazon Prime Business Line Of Credit Approval - No PG!

[Peach331]

Hello all!

I just got approved for the Amazon Prime Business Line Of Credit through Synchrony without a PG! I'm ecstatic! I've had a business gas card from synchrony for a few months now and although I keep it under 10%, I kept getting denied for the Amazon card. Something told me to try again last night and I received a message that said I'd hear something in 7-10 days. It gave me a reference number so I decided to call in today and check the status of it. I had a feeling I was approved because I was transferred 3 times when usually they just tell me right away that I've been denied (lol). The 3rd and final person came on and immediately asked if she was speaking with the business owner. She verified my address and placed me on hold. She came back about 3 minutes later and said everything's all processed. You've been approved with starting limit of $4500!! Whoooo hoooo! This is my 3rd card without a PG. I started my business building journey in the summer of 2020 so I'm very happy to have gotten to this point, and I thank you all so much for your advice! I'm hoping to get a bank card in the next few months.

Question:

Are there any banks that let you apply without a PG?

[blindambition]

Congrats on your Amazon biz approval!!! Persistence pays off!!

[chalupaman]

That's great to hear. Well done on the approval. Not as sure on answering your question as I'm still really getting into the business credit world myself. 

[AllZero]

Congratulations on your approval!

[M_Smart007]

Congratulations on your Amazon Prime Business approval! ...

[Anonymous]

Citizens Bank and Synchrony/Sam's Club (Must request no PG for this one) offer no PG CCs for small businesses 

Congrats!

[Peach331]

Thank you!

[Anonymous]

---

@Peach331 wrote:

... This is my 3rd card without a PG ... I thank you all so much for your advice!

---

Cool story -- congrats on your success.

Data Points (DPs) help others make informed credit decisions -- have you any to share? 
(Nothing says THANK YOU! like DPs)

[Peach331]

---

@Anonymous wrote:

---

@Peach331 wrote:

... This is my 3rd card without a PG ... I thank you all so much for your advice!

---

Cool story -- congrats on your success.

Data Points (DPs) help others make informed credit decisions -- have you any to share? 
(Nothing says THANK YOU! like DPs)

---

Of course! DPs are super helpful!

According to Nav I have an "A" score for both Experian and Duns. I've had my duns number for years but just started the business credit journey in the summer of 2020. I generated a paydex score about 3 months later by consistently ordering from Quill, Uline, and Home Depot, and I also had the secured Wells card ($500 deposit) since last summer. When the score first populated I had an A with duns, a B with Experian, and an F with Equifax. Not sure why I had an F. Now Equifax is blank and according to Nav Equifax doesn't have enough info on me. Last I checked they weren't doing the business credit profiles anymore (a few months ago). Not sure when I got an A with experian but as of now Duns and Experian are both A. Hope that helps someone! Feel free to ask questions if you guys have any!! 

[Anonymous]

Congrats! May I ask if you used a personal or business address? I am currently preparing my online business, and I'm conflicted about using my home address. Thanks