Been a WF personal checking customer since 2019. $500 of my paycheck is direct deposited into the account on a consistent basis however the balance is always at $0. LLC was exactly 1yr old with no prior business credit as of the time of application.
Cold apped and application went pending. Got a secured email the next day to call in to provide additional info. I called and was told they needed to complete a security verification via OTP to my phone number and to expect a response within 1-2 days. Got the approval the following day for a $5k SL. SUB is $500 bonus for $5k spend in 3 months. Hope this helps!
STATS
Hard pull on EX
EXP Fico 8 (691)/EXP Fico 9 (730)
5 INQ in 24months (all 5 within the last 3months)
3% overall utilization (3 cards reported a bal.)
11/24 new accounts
High six figure salary & $42k reported annual revenue for the business (projected).
4YRS & 5months post BK 7 discharge OR 4YRS & 9months post BK7 filing.
