DW. Applied yesterday for the 2% back Visa and got the 14 day message. I thought it was a denial. Today we got a link to the application progess page which showed under review. Later in the day it turned to approved for $10k. Not sure if they pulled Biz reports but they are getting thick and are all very good.
DPs:
Ex F9: 752
(2) 6 year old small paid CO's
Has had a FNBO Platinum for a year and a half (started as secured)
3% UTI and 5 INQ's
Very Low DTI and $97k reported as income.
She is perhaps 7/24 at this point.
She was denied last week for a Amex Business card though she has an 8 month old personal Gold card with perfect history.
This will be a nice compliment to my AMEX Biz Gold. I was debating for us to try PNC cold but figured her FNBO relationship migh mean something. Who knows?
Congratulations on DW approval!
Congrats!🤑 FNBO is a very good bank 👍
Thanks all. Cleaning up her 6 year old garbage first has worked out well for us. Our focus will be on Business credit cards for awhile. Thankfully we don't need "credit" but the cash back and points will be nice as opposed to paying big bills with business debit cards. I am pretty much leaving my derogs to fall off in about 8 months or so.
Now to just survive Covid!
@spiritcraft1 wrote:DW ... approved for $10k ...
Good for DW -- Congrats! & thanks for the DPs. 
10K is a very solid SL.
I have a personal card & didn't even know they had a biz card -- is it geo-fenced? Do you know if it reports on the personal side?
@Anonymous wrote:
@spiritcraft1 wrote:DW ... approved for $10k ...
Good for DW -- Congrats! & thanks for the DPs.
I have a personal card & didn't even know they had a biz card -- is it geo-fenced? Do you know if it reports on the personal side?
Thanks. DP's are important!
They are geofenced I think. They have the biz cards direct and then, I think, through other banks. This 2% card looks great. Has cell protection etc.
As far as reporting, reports here say no to reporting to personal but I have never figured out where it might report on the business side. I will share if I find out.