I am an independent contractor and travel steadily for work. I really needed a business card to use so I didn't have to use personal money. My credit has been rebuilding over the last 18 months so I was unsure. I was approved for a limit of 2k. My scores at the time were Experian Fico 640, CK TU620, EQ640. It may also be worth mentioning I already have a personal CO card (QS with 500$ CL) and also a Capital One auto loan (which has good payment history). It took them a whole week to approve my Application, I got the dreaded "wait 7-10 response" on initial application. Somebody was supposed to call me to verify I actually applied. Once I talked to someone I was immediately approved
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 25.24%* Variable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 25.24%* Variable
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Most Helpful Negative Review
Applied and Approved. But during the aplication process they needed my companies EIN not a problem since its a business card but they also needed my SS on the application it said "Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. As a result, your Social Security Number is required and used for identification purposes." No where did it say that my social would be used for a credit check or hard inquiry, thanks for dropping my score by 21 points for a $500 limit card.
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