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DPs:
Instant Approval Online
SL: $11,000
APR: 24.24% V
SUB: 90,000 UR for $8,000 in 3M
HPs: EX
EX8: 742
Util: 1%
Total Income: $62,000
AAoA: 9Y, 6M
AoOA: 17Y, 1M
Inqs: 0/6, 1/12, 2/24
6 open personal revolvers, 1 closed, 8 open student loans, 2 closed
Time since last late: 5Y, 9M
Type of business: LLC
Years in business: 11
Employees: 2
1 open business revolver
Number of existing Inks: 0
No deposit accounts at Chase
This was absolutely the fastest online approval I've ever received, the thing only spun for a few seconds before it said APPROVED! I mostly use this for the 3x shipping and travel categories, but the others will become useful in the future, so it's a good long term keeper card. I hit the SUB in two transactions while ordering inventory and those points are earmarked for Hyatt in October. I applied with both EIN and SSN and they didn't ask for docs.
It's worth noting that this card doesn't offer a 0% intro period, so you can't let anything ride. It's also worth noting that this account does not report to personal. Coupled with being on a dirty profile with low velocity, the HP didn't cost anything either so there was no FICO score impact for doing this. I'm still at 742 on EX with my aging metrics intact and 5/24 status intact. Business cards!












Rebuilding, FICO 8s as of May 2026:
WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂
Nice approval, congratulations on your Ink!
Wow@DXness , you are on a great business card roll - Congrats!
Gratz on the approval and many thanks for the Data Points!
Very good. Congrats on your approval and SL.







Nice quick approval and good sized line. Thanks for the data points, too!