Business Platinum - 150K Offer - Instant Approval!

[ultimaterewardsguy357]

Another one! I am excited to share that I was instantly approved for the Business Platinum Card!

Data Points:

5/24 Status: 7/24

EX Inquiries: 1 (6 Months); 2 (12 Months); 5 (24 Months)

UTI: 3%

FICO 8 Scores: EX 774, EQ 765, TU 759

AAoA: 4 years, 1 month

Credit History Length: 13 years, 8 months

Income: $65K - $74K

Business: 1-2 years Sole Prop DBA Business Revenue: $1K/yr

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $5,000, opened 12/2019

3. Chase Sapphire Preferred, $10,000, opened 9/2020

4. Chase Freedom Flex, $1,000, opened 10/2020

5. Blue Business Plus, $3,000, opened 1/2021

6. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

7. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

8. Business Gold, No Pre-Set SL, opened 4/2021

9. Blue Business Cash, $1,000, opened 5/2021

10. Amazon Business Prime, $3,000, opened 5/2021

11. Business Platinum, No Pre-Set SL, opened 5/2021

[ultimaterewardsguy357]

Data Points:

5/24 Status: 7/24

EX Inquiries: 1 (6 Months); 2 (12 Months); 5 (24 Months)

UTI: 3%

FICO 8 Scores: EX 774, EQ 765, TU 759

AAoA: 4 years, 1 month

Credit History Length: 13 years, 8 months

Income: $65K - $74K

Business: 1-2 years Sole Prop DBA Business Revenue: $1K/yr

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $5,000, opened 12/2019

3. Chase Sapphire Preferred, $10,000, opened 9/2020

4. Chase Freedom Flex, $1,000, opened 10/2020

5. Blue Business Plus, $3,000, opened 1/2021

6. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

7. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

8. Business Gold, No Pre-Set SL, opened 4/2021

9. Blue Business Cash, $1,000, opened 5/2021

10. Amazon Business Prime, $3,000, opened 5/2021

11. Business Platinum, No Pre-Set SL, opened 5/2021

[ultimaterewardsguy357]

Data Points:

5/24 Status: 7/24

EX Inquiries: 1 (6 Months); 2 (12 Months); 5 (24 Months)

UTI: 3%

FICO 8 Scores: EX 774, EQ 765, TU 759

AAoA: 4 years, 1 month

Credit History Length: 13 years, 8 months

Income: $65K - $74K

Business: 1-2 years Sole Prop DBA Business Revenue: $1K/yr

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $5,000, opened 12/2019

3. Chase Sapphire Preferred, $10,000, opened 9/2020

4. Chase Freedom Flex, $1,000, opened 10/2020

5. Blue Business Plus, $3,000, opened 1/2021

6. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

7. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

8. Business Gold, No Pre-Set SL, opened 4/2021

9. Blue Business Cash, $1,000, opened 5/2021

10. Amazon Business Prime, $3,000, opened 5/2021

11. Business Platinum, No Pre-Set SL, opened 5/2021

[AllZero]

Congratulations on your approval! Thank you for sharing the data points.

[M_Smart007]

Congratulations on your approval!

[CreditAggie]

Congratulations on your Business Platinum approval!

[babygirl1256]

@ultimaterewardsguy357 Wow, Congrats on your Business Platinum - 150k Offer -and- Instant Approval . . . that is absolutely fantastic . . . I will certainly follow your model (DPs) for my start-up biz. That's exactly why I have been working so hard to rebuild my credit (expecting to be PG). Just trying to get rid of the very last negative . . . BoA $429.00 PIF CO from 01/2016 . . . This is forum is AWESOME!!!

[ultimaterewardsguy357]

---

@babygirl1256 wrote:

@ultimaterewardsguy357 Wow, Congrats on your Business Platinum - 150k Offer -and- Instant Approval . . . that is absolutely fantastic . . . I will certainly follow your model (DPs) for my start-up biz. That's exactly why I have been working so hard to rebuild my credit (expecting to be PG). Just trying to get rid of the very last negative . . . BoA $429.00 PIF CO from 01/2016 . . . This is forum is AWESOME!!!

---

Thanks! You've got this @babygirl1256. You will get there in due time. This forum is amazing! I am glad I joined when I did. The community has been invaluable.

[Kasuito39]

Congrats on your approval! 

[Anonymous]

Congratulations on the new trade line

[Anonymous]

Kuddos to you. I must say I'm jealous in some fashion. Yesterday, I applied for the chase business InK unlimited and got denied because my business was "too new" even though my personal credit score was 814. Even if my business was "too new", isn't that the point of a personal guarantee? 

[ultimaterewardsguy357]

---

@Anonymous wrote:

Kuddos to you. I must say I'm jealous in some fashion. Yesterday, I applied for the chase business InK unlimited and got denied because my business was "too new" even though my personal credit score was 814. Even if my business was "too new", isn't that the point of a personal guarantee? 

---

Thanks! Sorry to hear about your denial. I would call reconsideration and try to get them to overturn that denial.