I love credit cards so much! v2.0 (see first page for add'l details)

[ten6mom]

Woah woah woah... are you insinuating that MY “business” is NOT legitimate???? I think you meant to ask “does his business have a registered name or dba and can he provide verification of that name”.

My business is absolutely legitimate

Hey, your business is your business! Not my business!

 

[Lain]

I think I'm going to register for a second DISboards account just so that I can both and this comment! Is @SouthFayetteFan2 taken???

EDIT: If it was taken that would be super creepy...like I have a stalker or something!

I thought your alter ego was the Notorious C.I.P.?

 

[LB002]

If I remember correctly, your DH has an actual business. The bouncing between messages suggests Chase was reviewing the app but couldn't verify DH's personal or business information. While the 7-10 days message is usually considered likely denial, what you can expect is Chase will send a letter that you should receive in about 7-10 days listing the reason(s) for denial and a contact number if you would like the app reconsidered. That number should be 1-800-453-9719.

The reason for denial is very likely they were unable to verify DH's information, but if you can confirm the information over the phone or provide some document reflecting his business, e.g., DH's license or other ID, a business license, DBA, EIN, tax returns, etc., and submit them at a Chase branch and/or fax them in, that should kick DH's app back to 2 weeks/30 days and DH should be approved eventually.

Again, the 7-10 days message is likely denial because of verification. If you feel confident enough to call recon(sideration) before the letter arrives, or rather have DH call recon or perhaps have you speak on his behalf, then you can get moving on providing the information and documentation to get DH's app approved.

Good luck!

DH business is pretty small (CPR training) and he hasn't focused on it in a few years. He was pretty active about 7-10 years ago. He still keeps his certification "live" and does a few one-offs now, so it is a legit business (he just trained a bunch of girl scout leaders last month, but I think he only collected the actual costs because they were friends of ours). He says he doesn't have any of the documentation listed.

Frankly, I think he is annoyed that his app didn't go through and sick of me asking about it. Like other P2s, he likes the benefits of churning, but isn't really interested in doing any legwork. It's causing some friction here, so I am willing to just let it go if he can just reapply next week.

 

[Lain]

DH business is pretty small (CPR training) and he hasn't focused on it in a few years. He was pretty active about 7-10 years ago. He still keeps his certification "live" and does a few one-offs now, so it is a legit business (he just trained a bunch of girl scout leaders last month, but I think he only collected the actual costs because they were friends of ours). He says he doesn't have any of the documentation listed.

Frankly, I think he is annoyed that his app didn't go through and sick of me asking about it. Like other P2s, he likes the benefits of churning, but isn't really interested in doing any legwork. It's causing some friction here, so I am willing to just let it go if he can just reapply next week.

Is the business name he applied with on his certification, or does he have any documentation reflecting a DBA? That should suffice.

But yeah... if this application (and likely denial for verification) is causing friction, I’d agree to just let it go. You don’t want to cause problems in your marriage or discourage him from being a P2 in future applications. I want to say that your story is very similar to what @tink1970 experienced when trying to get the CIP for her DH. I hope I’m telling it right. Her DH has his own business, applied and was denied — couldn’t believe it! She just let the application lapse past 30 days and reapplied on behalf of DH by herself the “right way,” since she already had his implied consent, and her DH was approved! For all he knew that approval was from recon of the first application.

Since 30+ days from the last application is just next week, you may want to do something similar. Just let the first app lapse, then at 31 days submit a new app for your DH, apply as a “sole proprietor” with his Firstname (MI is fine) LastName as the business name, and his SSN as the Tax ID number, select the business categories that match CPR training, figure out a projected revenue for DH’s business, and use total household income for income. That should work a lot easier.

Good luck again!

 

[SouthFayetteFan]

PSA: there are 8-10 $200-250 Disney gift cards for sale on Raise right now, and the 15% cash back offer from TopCashBack is still active.

Hey - just wanted to thank you again on this! I did snag that one $250 card. I also registered for TopCashBack that night using a $15 sign-up link so for that $250 card I basically got 21% off which is a GREAT deal for me! Thanks

 

[Grumpy's Gal]

From the producers who brought you Churning Shower Thoughts by SouthFayetteFan comes another edition of the spectacular serises: A Fireside Chat with SouthFayetteFan...

I've added a lengthy comment on the Advanced Strategies & Loophole Discussion Thread entitled: A Fireside Chat with SouthFayetteFan on the Southwest Companion Pass.

Companion Pass season is almost upon us and I implore anybody who is thinking of pursuing a 2020/2021 SW CP to read these thoughts. Hopefully some of you will find this useful (or else I just wasted a bunch of time this morning, lol!)

EDIT: The CP is not something we are trying to move exclusively to DISchurners...but I posted my little guide there anyways since it will be easier to reference back to in the future.

Do I need to get the reddit app to read that? I’m going to try for the companion pass this fall. I’m nervous about applying for a business card too early but also don’t want to miss out on the 80K points. Any idea how long that 80K will be offered?

 

[afan]

Do I need to get the reddit app to read that? I’m going to try for the companion pass this fall. I’m nervous about applying for a business card too early but also don’t want to miss out on the 80K points. Any idea how long that 80K will be offered?

You can use a browser. Even on my phone I read it in chrome because I don't want another app I rarely use. I prefer actually posting/using it on the desktop browser but if it's a link to a comment here I'll read it on my phone.

 

[SouthFayetteFan2]

What up losers

 

[SouthFayetteFan2]

I think I'm going to register for a second DISboards account just so that I can both and this comment! Is @SouthFayetteFan2 taken???

EDIT: If it was taken that would be super creepy...like I have a stalker or something!

EDIT2: @Lain is right - I am the Notorious C.I.P.!!

Yo Yo Yo, C.I.P In the House!​

Throw your hands in the air, if you's a true churner​

(I love it when you call me Benevolent Dictator)​

To the churners gettin' money playin' banks like dummies​

(I love it when you call me Benevolent Dictator)​

You copied my username.....w t f

 

[PolyRob]

@SouthFayetteFan2

 

[afan]

What up losers

He's completely lost his mind.

 

[PolyRob]

He's completely lost his mind.

What if its not @SouthFayetteFan, but a copy cat!?!

 

[GusGus16]

Likely a copycat, can't see him posting the second message...

Reminds me of a certain amex rat username as well

 

[SouthFayetteFan2]

He's completely lost his mind.

How do you know I’m not a she? Hmmm?

And I can not post for 49 minutes

 

[SouthFayetteFan]

What up losers

You copied my username.....w t f

How do you know I’m not a she? Hmmm?

And I can not post for 49 minutes

 

[Haley R]

You did laugh at their posts though lol

 

[afan]

What if its not @SouthFayetteFan, but a copy cat!?!

Then that person's lost their mind. I get it's all fun and OT in here, which I love, but this is a little over the top and ridiculous and imo takes away from what we have here.

 

[SouthFayetteFan]

What up losers

 

[Haley R]

View attachment 439025

I think it’s time for bed. It’s 12:30 am and I have a headache lol

 

[Lain]

You copied my username.....w t f