Hi! My name is Mary. How may I help you today?
I appreciate your interest in Capital One.
I understand that you're referring to our small business credit card, am I correct?
I'd be more than happy to find a right business card that suits your requirement. May I ask you a few quick questions?
Many of our customers have found the business cards to be a great source of financing the (new) business.
On most of our business card, you'll have a 0% introductory rate on purchases and transferred balances for up to 12 months.
On most of our business cards, your credit line will be between $500 dollars and $20,000 dollars. The exact amount will be determined upon approval.
Our business cards could help you to keep your personal and business expenses separate.
We do not have predetermined credit score for our small business credit cards.
We do not have predetermined business age for our small business credit cards.
Shall I go ahead and find a right business card for you?
That's okay. Please chat with us anytime at your convenience, it'd be our pleasure to help you.
How old is your business?
Just to address, may I know your first name please?
Based on the information you've provided, I'd recommend ' ' card.
Let me tell you the reward features for this card.
Shall I go ahead and tell you the APR and the Credit line for this card?
Good to know that you liked the card.
Are you looking to transfer any personal loans, auto loans, credit card balances—anything except other Capital One debts?
TYPES & FEES
Just to let you know, you're eligible to apply for our business credit card, if you're at least 18 years old and have the ability to make financial decisions for the business. In other words, you need to be an Owner, Partner, President, Treasurer, Vice President or CEO.
I understand that you meet the eligibility criteria, am I correct?
At Capital One, we highly recommend the applicant to apply for our business card by providing their own personal information.
Please let the applicant chat with us anytime at their convenience, so that it'd be our pleasure to help them complete the application process.
Let me provide you the application link. It only takes 5 minutes to complete and you could get a response in as little as 60 seconds.
Please take your time to complete it. I'll keep this chat window open and stand by in case you have any questions.
Once you submit the application, please let me know. I'll provide you further information based on the response you'd get after submitting the application.
Could you please tell me the message that you received after submitting the application?
You should receive your Capital One card, credit line, and welcome materials by mail within 7 to 10 business days.
You may also call us at 1-800-903-9177 to check on the status of your application. Please wait a minimum of 7 business days before calling.
I'm very sorry to hear that.
If your application is declined, you'll receive written notification explaining the specific reasons why it was declined.
I appreciate your patience and efforts in filling out the application.
It was really very nice chatting with you today. If you'd like to provide feedback about your experience with us today, I'd request you to click the button that reads "Close" at top right to answer a few quick questions.
Just to confirm, are you referring to your existing business credit card with us?
Thank you for clarifying that for me.
Our chat support is only specialized in accepting new applications for our business cards. I'd request you to call us at
However, if you're interested to apply for another business card, I'll be happy to help you with that. Would you like to apply for another business card?
Is your business located in any of these states: New York, New Jersey, Louisiana and Texas?
Currently, our business loan/line of credit is available in this state. Please visit your nearest bank branch.
Our business loan/line of credit is currently available only through a mailed offer. If you receive any mail offer, you can respond to it by calling the number listed in the offer letter.
However, if you're interested in our small business credit cards, I'll be happy to help you with that. Would you like to learn more about this option?
We require your EIN/TIN only if your business legal structure is anything other than 'Sole Proprietorship.'
I understand that you've received a mail offer from Capital One for our small business credit card, am I correct?
Since you've received a mail offer, I'll provide you the application link where you can enter the Reservation Code and the Access Code to respond to the mail offer. Is that okay?