Need Amex/chase business double approval data points

[WayneSki]

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@Thermionic_E wrote:

I plugged in my phone into a dead outlet. I got a soft spoken male csr and he seemed to be understanding and fully agree that every one of my denial reasons was suspect and he himself didn't agree with them. I was finalizing recon and my phone died... I called back and got a woman who seemed to reiterate everything in spite of my pleas that I had just ended a call that was quite successful and almost through. Had to start all over. She insisted on repeating everything in spite of seeming to be the opposite and agreeing with all denial assessments like too many inquiries in spite of them being mostly 12 months old or from a yo-yo financing scheme by a car dealership from June 2019. Why!!!!

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Maybe you need to relax on applying for anything for a while. Try to figure out what's the ACTUAL cause of you getting all these denials. To these lenders YOU may be deemed as a risk.

[Thermionic_E]

Re: Inquiries

I was just denied for having too many inquiries being at 3/24 and I've only had 6 in 12 months, three being chase (April 20 may 20 and March 21)... only one being from December and the rest from almost 12 months ago. This lady just wanted to agree with every reason for my denial: Experian 758. 0% utilization... no collections or derogatories. New account from December for Apple Card. PayPal credit older than six months.  All in good standing. "

was approved for two business cards from Amex this month and received constant mailers every week from chase and hadn't applied to anything from them for a year... don't know what you're talking about. Outside those two business accounts, I have no personal accounts that are new save two. Again I'm at 3/24  

and I've even had the black star for business owners in my credit offers for half a year..: doesn't add up. Reasons are the same as those auto generated in the fico scoring, so throw aways. I have 15k in my account. 

[Thermionic_E]

I was just denied for having too many inquiries being at 3/24 and I've only had 6 in 12 months, three being chase (April 20 may 20 and March 21)... only one being from December and the rest from almost 12 months ago. This lady just wanted to agree with every reason for my denial: Experian 758. 0% utilization... no collections or derogatories. New account from December for Apple Card. PayPal credit older than six months.  All in good standing. "

was approved for two business cards from Amex this month and received constant mailers every week from chase and hadn't applied to anything from them for a year... don't know what you're talking about. Outside those two business accounts, I have no personal accounts that are new save two. Again I'm at 3/24  

and I've even had the black star for business owners in my credit offers for half a year..: doesn't add up. Reasons are the same as those auto generated in the fico scoring, so throw aways. I have 15k in my account. 

[M_Smart007]

@Thermionic_E, Sorry for your denial

It is my personal opinion (and that only) that Chase is very skittish about business CC approvals right now.

I believe they will lighten up at some point down the road.

[FinStar]

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@Thermionic_E wrote:

Is there any way to figure out which customer service rep you were speaking to???

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Nope.  Not unless they provided a direct line or their ID information.  Keep in mind that a variety of UW departments are spread throughout the US and/or internationally.

[Thermionic_E]

Oh, I wasn't aware of that. Thanks for the info. 

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@FinStar wrote:

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@Thermionic_E wrote:

Is there any way to figure out which customer service rep you were speaking to???

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Nope.  Not unless they provided a direct line or their ID information.  Keep in mind that a variety of UW departments are spread throughout the US and/or internationally.

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