Author Topic: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications  (Read 3570 times)

Offline Joel

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You can take your -1 and keep it to yourself. I'm not going to tell you what you want to hear. I tell you what you should hear, to listen or not is up to you. I gain or lose nothing whether you get approved or not. If you are greedy for information and too lazy to fact check, it's on you. Says who? Says ME

The truth never dies. See below.
Please don't spread fake date points of real approvals when you don't have any!
I haven't seen online on any forum a approval in the past 8 weeks except 1 random in the past week.
so please stop spreading fake news that you need $$ in the bank to be approved it didn't help anyone AFAIK
what @El Capitan is saying isn't proven yet so who knows what he is saying is true bring me one person who this method helped.
maybe i shouldn't respond to your posts as i can clearly see your trolling..

Online El Capitan

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AFAIK
what @El Capitan is saying isn't proven yet so who knows what he is saying is true bring me one person who this method helped.

Didn't say the opposite helped. Just saying I got rejected with that being one of the reasons.
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Offline Joel

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Didn't say the opposite helped. Just saying I got rejected with that being one of the reasons.
Huh? is this a biz account? looks like a personal freedom

Online El Capitan

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Huh? is this a biz account? looks like a personal freedom
It is a personal freedom. Sorry if I got confused but I thought we were talking about Chase in general and not specifically business
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Offline Joel

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It is a personal freedom. Sorry if I got confused but I thought we were talking about Chase in general and not specifically business
Lets make something clear Chase is only declining on business cards not personal for now.

Offline Dan

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Yes. I'm talking about Chase business cards.
Said this to you before. Also, see thread title.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline CountValentine

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Have you tried lately? @Dan
The only reason I ask because you have what I consider a real business.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Dan

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Have you tried lately? @Dan
The only reason I ask because you have what I consider a real business.
Nope, have way too many Chase business cards open right now.
Tried for Citi AA Biz and was rejected as my wife has one for the same business.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline TheDroid

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Please don't spread fake date points of real approvals when you don't have any!
I haven't seen online on any forum a approval in the past 8 weeks except 1 random in the past week.
so please stop spreading fake news that you need $$ in the bank to be approved it didn't help anyone AFAIK
what @El Capitan is saying isn't proven yet so who knows what he is saying is true bring me one person who this method helped.
maybe i shouldn't respond to your posts as i can clearly see your trolling..

You should start accepting ideas that contradict you. Don't be the center of everything, it leads to a recent protests about equality.
I never said you need money in the bank. Go read my comments again, without your biased mindset, word by word. (basic comprehensive reading skills required)
Please don't call out FAKE NEWS without facts. Unfortunately, you are the one spreading fake news and doesn't help anyone.

Let me help some more with your bias, just because you want to see approvals you are looking for reasons to get approved. Myself and @El Capitan is showing reasons you don't get approve, which is not the opposite of reasons to get approved. Did you even care to read the reasons why people got rejected in the past 8 weeks, if you do some research then you should see people got rejected for the same reason as @El Capitan for a business card.

Better yet, do you EVER see any bank giving you a reason for your approval.
Have you ever seen "Congratulations you FICO is above 700 and your loan history falls into the 90th percentile of our risk assessment based on your established credit history with us and your deposit and investment exceeds $5000 which is higher than our mean AUM for the business your size."

Like I said earlier If you are greedy for information and too lazy to fact check, it's on you. But please don't try to force your bias into others, especially if you don't even do fact checking at all.


Didn't say the opposite helped. Just saying I got rejected with that being one of the reasons.

Unfortunately, with bias some people will interpret as "you need $$ in the bank to be approved"


Online El Capitan

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Damn. Who knew a couple of CC apps can start such a fight
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Offline TheDroid

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Damn. Who knew a couple of CC apps can start such a fight

Welcome to America, land of the free home of the brave.  :D

Offline Joel

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I never said you need money in the bank. Go read my comments again, without your biased mindset, word by word. (basic comprehensive reading skills required)
You have better chance if you have some money in CHASE accounts. How much I don't know. I would try 10k avg balance for a month.
Let me help some more with your bias, just because you want to see approvals you are looking for reasons to get approved. Myself and @El Capitan is showing reasons you don't get approve, which is not the opposite of reasons to get approved. Did you even care to read the reasons why people got rejected in the past 8 weeks, if you do some research then you should see people got rejected for the same reason as @El Capitan for a business card.

I and my father was approved last week (personal). again there is no recent DP of anyone being approved for a chase biz card so don't give anyone hope for a miracle and a wasted HP.  why you and @El Capitan was declined does not have to do with having cash in the bank its the most ridicules thing i heard.

Better yet, do you EVER see any bank giving you a reason for your approval.
Have you ever seen "Congratulations you FICO is above 700 and your loan history falls into the 90th percentile of our risk assessment based on your established credit history with us and your deposit and investment exceeds $5000 which is higher than our mean AUM for the business your size."
What is this have to do with chase not approving biz cards??

Like I said earlier If you are greedy for information and too lazy to fact check, it's on you. But please don't try to force your bias into others, especially if you don't even do fact checking at all.
I am just trying to prevent anyone for falling for your BS nothing greedy my friend :)


Online justmeha

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Have you tried lately? @Dan
The only reason I ask because you have what I consider a real business.
does it make a difference if it is a sole prop or a real ein?
No.
It seems that @Dan  doesn’t think it will make a difference

Online El Capitan

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Ok I think @Joel2  and @TheDroid both need to seriously chill
Although I must say I do apologize for asking what was clearly a dumb question and I should have read again before I asked
« Last Edit: June 07, 2020, 02:50:08 PM by El Capitan »
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Offline TheDroid

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And when I thought I was going to let this go. One Last time.....

I never said you need money in the bank. Go read my comments again, without your biased mindset, word by word. (basic comprehensive reading skills required)

You have better chance if you have some money in CHASE accounts. How much I don't know. I would try 10k avg balance for a month.

Like I warned word by word, basic comprehensive reading skills required


I and my father was approved last week (personal). again there is no recent DP of anyone being approved for a chase biz card so don't give anyone hope for a miracle and a wasted HP.  why you and @El Capitan was declined does not have to do with having cash in the bank its the most ridicules thing i heard.

What is this have to do with chase not approving biz cards??

I am just trying to prevent anyone for falling for your BS nothing greedy my friend :)

While I appreciate your concern and warning for other people (I do too), you do need some basic comprehensive reading skills. (Unless I'm replying to a 14 year old)

No one is convinced or trying to convince you need money to get approve. From the banks letter it tells how people got rejected for lack of money. It doesn't tell how to get approved at all.
Again, basic comprehensive reading skills will tell you reason to get rejected is not the opposite of reason to get approved.

Your original link already provided DP for reasons people got rejected. If you even care to read it (of fact check even from this site), it supports all my points.
https://www.doctorofcredit.com/chase-seems-to-be-tightening-small-business-credi
Like I said for the 3rd time. If you are greedy for information and too lazy to fact check, it's on you. But please don't try to force your bias into others, especially if you don't even do fact checking at all. Your own link says enough.

Neither anyone should imply that getting approved for personal is equal to getting approved for business card. But I feel you are logic might mislead you to think otherwise.
If if you can't even understand my sarcasm of ever seeing any bank giving you a reason for your approval, you probably do need some comprehensive reading skills.

Hopefully when you grow up you can understand this better. I have provided enough on my side, if you think its BS then it's fine by me and all on you.

Ok I think @Joel2  and @TheDroid both need to seriously chill
Although I must say I do apologize for asking what was clearly a dumb question and I should have read again before I asked
Please don't apologize, you did nothing wrong. It's my bad to present facts with someone who is too blindly biased and have weird logic.
The DP as of now is barely anyone got approved for the business card.
The DP is lacking now is why the huge rejects? Or with comprehensive reading skills, can we really trust what CHASE tell us about deposits or they just reject everyone with lame excuse.
The DP we should be looking for is people with 50-100k invested with them for at least 6 months if they got rejected or approved.