Dell Business Credit Approved NOPG

titancylinder · ‎09-12-2019

Hey Guys

Just thought I'd mention I was approved for the Dell Business Credit only 5000. But, meh, it was for the tradeline anyways--we tend to pay cash with all of our Dell Orders.

Around this time last year I was declined. So I'm happy. This month, we spent about 62000 dollars with Dell ---but I don't think Webbank tracks any of those metrics.

Fico Scores: F9 EQ 791 TU 803 EX 781 (Oct 2024 updated)
Virtually slap me if I apply for anything else before August 2026 and remind me I'll never get my U.S. Bank Altitude Reserve Visa Infinite.
In garden from July 27th 2024 to August 2026.
New Accounts: 6/12 11/24. DTI less than 5%. TCL Personal 333,163. Auto loan: SETF (estimated) initially owed 47000 / Current 32000 owed @ 60 months / 3.75% / April 2023 origination

jaxstraw · ‎09-13-2019

@titancylinder wrote:
Hey Guys

Just thought I'd mention I was approved for the Dell Business Credit only 5000. But, meh, it was for the tradeline anyways--we tend to pay cash with all of our Dell Orders.

Around this time last year I was declined. So I'm happy. This month, we spent about 62000 dollars with Dell ---but I don't think Webbank tracks any of those metrics.

Congrats !!

I can't recall my interest rate when I had a Dell account but it was up there.

I doubt I would have used it for 62k in purchases.

For that I would use a lower interest CC and get the points or the rewards and just buy like one item through Dell credit to get it to report.

Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face

Anonymous · ‎09-13-2019

Congrats on the approval! I app'd my 15 month old LLC for this card a couple of months ago and was also approved for 5k credit line. The rate is pretty whacked, but don't plan on carrying a balance.

titancylinder · ‎09-15-2019

@jaxstraw wrote:
@titancylinder wrote:
Hey Guys

Just thought I'd mention I was approved for the Dell Business Credit only 5000. But, meh, it was for the tradeline anyways--we tend to pay cash with all of our Dell Orders.

Around this time last year I was declined. So I'm happy. This month, we spent about 62000 dollars with Dell ---but I don't think Webbank tracks any of those metrics.

Congrats !!
I can't recall my interest rate when I had a Dell account but it was up there.
I doubt I would have used it for 62k in purchases.
For that I would use a lower interest CC and get the points or the rewards and just buy like one item through Dell credit to get it to report.

I wouldn't carry a balance anyways on business orders that big. However, some people don't know but when you finance with DBC (I believe you also have to buy ProSupport for 4 years, or Pro Support Plus (any number of years), you get 10% back when you finance. 6% back if you don't finance and you add PSP/PS (4 years). I really like Dells rewards structure. It sucks you can't turn it into raw cash directly. But I still benefit by charging a customer xyz and just using my rewards to pay for it.

Fico Scores: F9 EQ 791 TU 803 EX 781 (Oct 2024 updated)
Virtually slap me if I apply for anything else before August 2026 and remind me I'll never get my U.S. Bank Altitude Reserve Visa Infinite.
In garden from July 27th 2024 to August 2026.
New Accounts: 6/12 11/24. DTI less than 5%. TCL Personal 333,163. Auto loan: SETF (estimated) initially owed 47000 / Current 32000 owed @ 60 months / 3.75% / April 2023 origination

Anonymous · ‎09-20-2019

@Anonymous wrote:
Congrats on the approval! I app'd my 15 month old LLC for this card a couple of months ago and was also approved for 5k credit line. The rate is pretty whacked, but don't plan on carrying a balance.

How was your TL profile at the time of the app? Any prior purchases?

titancylinder · ‎09-22-2019

@Anonymous wrote:
@Anonymous wrote:
Congrats on the approval! I app'd my 15 month old LLC for this card a couple of months ago and was also approved for 5k credit line. The rate is pretty whacked, but don't plan on carrying a balance.
How was your TL profile at the time of the app? Any prior purchases?

I've been a Dell Member since 2017 + over 250,000 dollars in spend with Dell since 2017. But that had no reason for Web Bank's approval. I was denied around this time last year. Honestly, I'm not really sure. I push 10-20k/m+ through my capital one business card, which was my only business tradeline besides Quill. Now Circle K fleet and Dell.

I reached out to Experian Business to pull my report and they say they can't find my business in their database. Shrugs.

LLC has been alive since 2017. Previous company was required by the courts to be dissolved due to a medical bill induced bankruptcy.

Fico Scores: F9 EQ 791 TU 803 EX 781 (Oct 2024 updated)
Virtually slap me if I apply for anything else before August 2026 and remind me I'll never get my U.S. Bank Altitude Reserve Visa Infinite.
In garden from July 27th 2024 to August 2026.
New Accounts: 6/12 11/24. DTI less than 5%. TCL Personal 333,163. Auto loan: SETF (estimated) initially owed 47000 / Current 32000 owed @ 60 months / 3.75% / April 2023 origination

Anonymous · ‎06-10-2020

Sorry for the revive but I was just looking to pre order the new Alienware R11 so I figured I'll submit Buisness credit app...

the didn't ask for PG not even my last 4 of SSN for soft pull...they just approved me for 20k SL 0_o

to the best of my knowledge the only thing on my Buisness credit is my Cap1 spark

thx Dell...I guess.

M_Smart007 · ‎09-04-2020

Congratulations on your Approval..

Red1Blue · ‎09-05-2020

Congrats on your approval.

Credit4Growth · ‎09-06-2020

Well that is a nice come back in 1 years time. Congratulations on the approval!