Credit to @NoMoreE46 . Never heard of this card before until I stumbled across your post. Registered for an online account and froze all 3 bureaus before starting the application. Entered my business and personal information and submitted. Application immediately went pending and this was last night. Today, I got the official approval email with an offer which I accepted. I can confirm they DO NOT check personal credit, not even a SP since mines' were all frozen. Was able to add the virtual card right away to my digital wallet. There's a SUB for 20k points after $2k off platform spending. Card is issued by Fifth Third Bank and apparently metal, actually have a personal checking account with them that rarely gets used. No document was requested neither was there a Plaid verification like most business credit app. My LLC is over 2yrs old and I have very newish business credit history. Also I'm 6yrs post CH7.
Good for you. Congrats on your approval!
I do not know how they make the decision.
D&B at the time, I had 2 trades, 2 of which were prepaid, and the other had a max spend of $250 on it.
Equifax i had one trade reporting which was the same $250 trade.
Whatever the approval guidelines are, they seem very loose. The LLC I applied with just turned 3 years old a few months ago.
I have confirmed the card works for general spend too. I just paid a Uline invoice with it and an upcoming marketing campaign I am running.
I do not have the physical card yet; it was approved just a few days ago. The limit is $8k.
@JimmiS there's only one Chase mobile app which can access both personal or business accounts under one or separate logins. If you have a Chase business account u should see your D&B scores listed at the bottom of the main page in the mobile app. I've attached a screenshot of mine for reference
