Yup, my biz Aerogold took my biz manger to approve the application as I had lots of cancellations and applications on my credit file (you don't say). he made up something about fraud to the TD credit dept. Every other company gives me the card when I apply for it. Did I mention I've had a TD biz account for 25 years? I still remember how they finally gave us a corporate TD visa back in 96 or 97, a measly $3k limit (over 3 cards!!!!) and points? What points???.? I guess they thought giving us a card was a gift from high.