I was In the Garden for 6 months, Paid Off 7 Cards & Really wanted to work on Business Credit, Opened a Checking and Savings with Desert Financial Credit Union as @Anonymous Recommended, Apped for Elan Biz Visa, Knowing they Used Elan, After 3-4 Days I Called UW and She Said I Was Approved,
Then Another 3-4 Days I Called & a Guy Said I Was Denied, Max Exposure with US Bank, Really? 3k Card After 11 yrs of Business Customer? So I Kept Checking the App Status Ph# and Said I wasn't Approved at this Time,
So I Kind if Gave Up, But Called Back Again and Lady Said, I Can Run It Thru Again without Another Hard Pull.. I Said If You Promise, I Had 3 Hard Pulls from you for 1 Card Last May, She Said No Additional Hard Pull, OK.. 4 Days Later I Got An Approval Email.. 10k SL
Ran TU FICO8 764 Score,
0/6 5/12 9/24
I Have a Feeling that US Bank UW Didn't want to Approve at First, But Since Elan is Contracted with the Credit Union they Approved Me..
