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Chase business credit card

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CI
New Member
New Member

Chase business credit card

I applied for a chase bussiness credit card. They emailed me a few hours later asking me to verify my address and DOB. I then uploaded my ID. Maybe about a week later today call asking for an update and the verifications team states that my ID was blurry and I need to be verified in person. I go in person to get verified then speak with them on the phone again, the agent sends me a code and then ask me to verify the number on my application. After that she says she submitted my app for a final review and I will get an update within two weeks. Do ya'll think I was approved or denied ? 

Message 1 of 12
11 REPLIES 11
pizzadude
Credit Mentor

Re: Chase business credit card


@CI wrote:

I applied for a chase bussiness credit card. They emailed me a few hours later asking me to verify my address and DOB. I then uploaded my ID. Maybe about a week later today call asking for an update and the verifications team states that my ID was blurry and I need to be verified in person. I go in person to get verified then speak with them on the phone again, the agent sends me a code and then ask me to verify the number on my application. After that she says she submitted my app for a final review and I will get an update within two weeks. Do ya'll think I was approved or denied ? 


Without more information I don't think anyone can give you any kind of solid answer, other than a guess.  What is your overall credit profile and stated income on your application?   Do you have any other Chase cards ?  Where are you with regards to 5 / 24 ? 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 12
CI
New Member
New Member

Re: Chase business credit card

All three credit scores are around 730. My utilization is less than 1 percent. I put 87,000 for stated income. I think my biggest issue may be my length of credit history which is short around 1 year. 

Message 3 of 12
CI
New Member
New Member

Re: Chase business credit card

I am 2/24 regarding inquiries and do not currently have any chase credit cards. I have two credit cards with small limits but they are both at 1 percent balance. I did just get approved for a Mercury credit card with a limit of 3500 but it has not yet been factored into my current credit scores. Also thank you for replying! 

Message 4 of 12
isik
Regular Contributor

Re: Chase business credit card

Take what I'm saying with a grain of salt as I'm not an expert, but them asking for ID verification sounds promising to me. If your credit wasn't "good enough" by their standards that they weren't going to extend credit to you anyway, why bother verifying your ID?

Personal:

Business:

FICO 8:
Message 5 of 12
SouthJamaica
Mega Contributor

Re: Chase business credit card


@CI wrote:

I applied for a chase bussiness credit card. They emailed me a few hours later asking me to verify my address and DOB. I then uploaded my ID. Maybe about a week later today call asking for an update and the verifications team states that my ID was blurry and I need to be verified in person. I go in person to get verified then speak with them on the phone again, the agent sends me a code and then ask me to verify the number on my application. After that she says she submitted my app for a final review and I will get an update within two weeks. Do ya'll think I was approved or denied ? 


I think you were approved. The identity verification thing is very common with Chase applications.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 6 of 12
CI
New Member
New Member

Re: Chase business credit card

Thank you both!!! That gives me hope Smiley Wink 

Message 7 of 12
CubanCheapSkate
New Contributor

Re: Chase business credit card

I also think your approved pending identity verification. As a long time Chase banking customer I can confirm they are not shy about straight out declining applications in my experience …lol.
Message 8 of 12
fm92555
Regular Contributor

Re: Chase business credit card


@CI wrote:

I applied for a chase bussiness credit card. They emailed me a few hours later asking me to verify my address and DOB. I then uploaded my ID. Maybe about a week later today call asking for an update and the verifications team states that my ID was blurry and I need to be verified in person. I go in person to get verified then speak with them on the phone again, the agent sends me a code and then ask me to verify the number on my application. After that she says she submitted my app for a final review and I will get an update within two weeks. Do ya'll think I was approved or denied ?


 Because of the security verification I think you may be approved. I just went through something similar. Two weeks ago, after getting a Chase personal card for the first time in a decade, I also jusmped in and applied for the business unlimited. It said it had to be reviewed.

 

After a week I called and they told me they denied me just hours before because of I had too much personal credit available. They asked if I wanted to do a reconsideration and I said "yes please". She resubmitted it and sai it could be a few days. The next day I got the call to submit more identification info. When I called they took my info and then asked me to hold (full 15 minutes) while they try to get an answer from underwriting. They came back with a 5k credit line.  

 

I think you chould be ok.

Message 9 of 12
CI
New Member
New Member

Re: Chase business credit card

Seriously you all give me hope lol. A Biz credit card would be so helpful. If you don't mind me asking what were the additional docs they asked for? 

Message 10 of 12
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