Originally Posted by
EatMoreChicken
My wife and I both applied for Ink Unlimited. She got approved after 3 days, and I received the following letter. "Thank you for your Visa Signature request. We need you to call us to confirm your information before we can continue our review. This may be related to an alert on your credit report, or to confirm your Taxpayer Identification." What should I expect when I call them?
A few data points. We're both under 5/24, and we each have the following Chase Biz cards: CIU, CICx2, SW Premier and Performance. We have been applying for a lot cards since Oct 2022 to get the SW Companion pass and the latest 34 days ago for the CIC. We use our SSN to apply. I pre-emptively lowered my credit line on two Chase Ink cards in case my overall credit limit could be a problem. We both have pretty good FICOs, but her score are always higher by 15-20pts, I think b/c of my student loans. Any advice in advance of the call to Chase would be appreciated.
1. You never lower your credit limits. That would have been credit that could have been shifted to open the new card. Now you don't have that credit at all.
2. What are the two business names?
3. You don't say what the FICO numbers are 15-20 could be the difference. For that matter 5 points could be the difference.
4. What is a lot of cards? 3, 4, 5 .....
5. What is your usage of those existing cards? Did you meet the minimum spend and then stop? Are you still putting spend on those cards?
6. Depending on how you filled out the application, they are going to possibly want a business license, secretary of state filing of DBA, IRS letter, tax returns, proof of income, etc... But without know exactly how you filled out the application, I am only speculating based on what I have had to provide to them in the past. I might mention, not so distant past either. They used to be really easy, now they are very detailed in their investigations and requests. YMMV
PS, I am happy to help you if I can.