Credit Score

Chase Ink Business Preferred

  • 80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening.
  • $95 Annual Fee
Steps
  1. Applied online (used my full name as Legal name of business and SSN as Tax identification number)
  2. Application was not instantly approved.
  3. Immediately called the reconsideration line (800-453-9719) listed on Doctor Of Credit.
  4. Provided following information to verify my identity:
    • Name
    • SSN
    • DOB
    • Account with Chase (Credit Limit)
  5. Waited on hold for 3 minutes, then it was approved for $12,000
  6. Received the card after 4 business days

RESULT: Approved after follow up
CREDIT LIMIT: $12,000

Chase Ink Business Cash

  • $300 Bonus Cash Back after you spend $3,000 on purchases in the first 3 months after account opening.
  • 0% intro APR on purchases and balance transfers for the first 12 months
  • No Annual Fee
Steps
  1. Applied online (used my full name as Legal name of business and SSN as Tax identification number)
  2. Application was not instantly approved.
  3. Immediately called the reconsideration line (888-270-2127) listed on Doctor Of Credit.
  4. Provided following information to verify my identity:
    • Name
    • SSN
    • DOB
    • Account with Chase (Balance or Credit Limit)
  5. Agent – She mentioned my previous application. I told her that I just got approved for a Chase Ink Business Preferred card today, and I also want a Chase Ink Business Cash card because it has a different reward structure.
  6. Waited on hold for 3 minutes, then it was approved for $12,000
  7. Received the card after 4 business days

RESULT: Approved after follow up
CREDIT LIMIT: $12,000

Chase Sapphire Preferred

  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • $0 intro annual fee for the first year, after that $95.
Steps
  1. Applied online
  2. Application was not instantly approved.
  3. Immediately called the reconsideration line (888-270-2127).
  4. Provided following information to verify my identity:
    • Name
    • SSN
    • DOB
    • 2 credit cards that are NOT with Chase
  5. Agent – She said my application was declined due to: 1) too many recent inquiries, 2) just opened 2 accounts with Chase and extended new credit line. Chase needs to see how I handle new credit cards. I asked what if I cancel other Chase credit card so that my credit line remains same. She said I had to call another department because she can’t close. Even so, there is no guarantee that I get Chase Sapphire Preferred. I gave up.
  6. Receive a rejection letter after 4 business days. Chase was unable to approve my request for a CHASE SAPPHIRE Visa Signature account at this time due to: Too many requests for credit or opened accounts with Chase.

RESULT: Declined

Bank of America Premium Rewards

  • 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
  • Get up to a $100 Airline Incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees
  • $95 Annual Fee
Steps
  1. Applied online
  2. Application was not instantly approved.
  3. Immediately called the reconsideration line listed on Doctor Of Credit.
    • 866-224-8555 didn’t work
    • 866-224-7803 didn’t work
    • 800-354-0401 worked
  4. Provided following information to verify my identity:
    • Name
    • Reference number
    • DOB
    • Last 4 digits of SSN
  5. Agent #1 – She said it’s already approved for $21,000. She checked few things and transferred me to another agent to confirm approval.
  6. Agent #2 – He confirmed that my application was approved. The card was approved with a total credit line of $19,000. Bank of America reduced the credit line on my MLB Cash Rewards Mastercard so that my overall available credit line remains the same.
  7. 4 business days later, I received an approval letter and Activity Alert email. My credit card was just mailed.
  8. Received the card after 7 business days

RESULT: Instant Approval
CREDIT LIMIT: $19,000 (moved the credit line from my existing card)

Wells Fargo Platinum Visa

  • 0% introductory APR for 18 months on purchases and balance transfers.
  • No Annual Fee
Steps
  1. Applied online
  2. Application was not instantly approved.
  3. Immediately called the reconsideration line (866-412-5956#1) listed on Doctor Of Credit.
  4. Provided following information to verify my identity:
    • Name
    • Reference Number
    • DOB
    • Mailing Address
  5. Agent – She said my application is still pending. I have to call back after 48 hours to check my application status.
  6. Receive a rejection letter after 4 business days. Wells Fargo was unable to offer me a credit card account because: Identity can’t be verified.
  7. Called the reconsideration line next day.
  8. Provided following information to verify my identity:
    • Reference Number
    • Name
    • Mailing Address
    • DOB
  9. Agent – He needs to send a code to my phone to verify my identity, but their system was unable to verify my phone number for some unknown reason (because I recently changed my number?). I asked him to try my Google Voice number, but no luck. Because he was not able to verify online, I had to bring government-issued photo ID and 2 forms of documents to validate address to a local Wells Fargo branch. I’m done.

RESULT: Declined

Citi Diamond Preferred

  • 0% Intro APR for 21 months on purchases and balance transfers.
  • No Annual Fee
Steps
  1. Applied online
  2. Application was not instantly approved.
  3. Citi called me after 3 days.
  4. Agent #1 – She asked to verify following information in my application. Then transferred me to another agent.
    • Last 4 digits of SSN
    • Income
    • Rent
  5. Agent #2 – He said my application was declined due to too many recent inquiries. I asked how many is too many, and how recent is recent. He said Citi doesn’t want to see more than 2 inquiries in the last 6 months. I had 6 inquiries.

RESULT: Declined

NFL Extra Points

  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
  • 0% intro APR for 15 months on balance transfers made within 45 days of account opening.
  • No Annual Fee
Steps
  1. Applied online
  2. Application was instantly approved for $2,000.
  3. 4 business days later, I received and activated the card (activation requires a security code).
  4. Requested credit line increase to $15,000.
  5. Next day, Barclays increased my credit line to $10,000.

RESULT: Instant Approval
CREDIT LIMIT: $2,000 -> $10,000

U.S. Bank Cash 365 American Express

  • $150 bonus after making $500 in eligible net purchases within the first 90 days of account opening.
  • 0% INTRO APR for 15 billing cycles on purchases and balance transfers.
  • No Annual Fee
Steps
  1. Applied online
  2. Application was not instantly approved.
  3. 2 business days later, I called the reconsideration line for an automated status check (800-947-1444#1#1) listed on Doctor Of Credit. My application was already approved for $25,000.

RESULT: Approved after 2 days
CREDIT LIMIT: $25,000

Alliant Credit Union Visa Platinum

  • 0% introductory rate for 12 months
  • No balance transfer fee
  • No annual fee
Steps
  1. Applied online
  2. Application was not instantly approved.
  3. 2 business days later, I received an email saying that my credit card application has been approved for $20,000. They requested to provide a copy of my ID and two most recent paystubs to continue.

RESULT: Approved after 2 days
CREDIT LIMIT: $20,000