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Hi! My name is Justin. How may I help you today?

Thank you for your interest in Capital One.

Hi there! How are you doing today?

At Capital One, we highly recommend that the applicant fill in the application form by their own.

If your Business Legal Structure is other than "Sole Proprietorship", you will require the EIN/TIN number.

On most of our small business credit cards, your credit line will be between $500 dollars and $20,000 dollars. The exact amount will be determined upon approval.

With our small business credit cards, you can keep your business expenses separate from your personal expenses.

We do not have predetermined credit score for our small business credit cards.

Many of our Customers have found our small business credit cards to be a great source of financing (new) business. You can make all your business related purchases with our small business credit cards and it could be an added advantage for your business.

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.

When you apply for or open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you.

I understand that you meet the eligibility criteria, am I correct?

Just to confirm, are you an existing small business credit card Customer with Capital One?

Just to confirm, are you referring to your existing small business credit card or your personal credit card?

Thank you for clarifying that for me. Well, I'm sorry to inform you that I do not have access to your existing small business credit card. I'm only able to assist you with the application process for our small business credit cards. However, you can call our Customer Relations at 1-800-867-0904 and speak with them regarding your existing small business credit card and they will assist you further. Please accept my sincere apology for the inconvenience caused to you. I regret for the inconvenience caused to you. So, would you be interested in our small business credit cards today? So, is there anything else I can help you with today?

We have a variety of small business credit cards. Let me find the right business credit card that will suit your requirements. Shall I proceed?

Just to confirm, how old is your Business?

So, which of these credit card features is the most important to you? (a) Travel and merchandise rewards (b) Cash back on purchases (c) Lower interest rate

One more question. How would you describe your personal credit history? (a) Excellent credit (b) Above average (c) Needs some improvement (d) Limited credit history

Are you looking to consolidate personal loans, auto loans, home equity loans, credit card balances---anything except other Capital One debts?

That's okay. Not a problem.

Just to address, may I have your first name please?

Based on the information that you have provided, we have the ' ' card that will suit your needs.

Let me provide you with the application link. It only takes 5 minutes to complete the application form and you could get a response in as little as 60 seconds.

I'd really appreciate if you could let me know once you have submitted the application form so that I can provide you with more information.

While filling out the application form, if you have any questions or doubt, please feel free to ask me. I'll keep this chat window open and stand by in case you have any questions.

Just to confirm, have you submitted the application form?

Are you reviewing the important disclosure page or you have submitted the application form?

Could you please verify as to what message appeared on the screen once you have submitted the application form?

I'm really sorry to hear that. However, I appreciate the efforts you took to submit the application form.

If your application is declined, you'll receive written notification explaining the specific reasons why it was declined.

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 sincerely appreciate your continued patience and it was really nice chatting with you today. Have a great time. Bye and take care!!!

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.

That's okay. Please chat with us anytime at your convenience, it'd be our pleasure to help you.

BUSINESS LOAN AND BUSINESS LINE OF CREDIT:

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Our small business loan and business line of credit are available only through mail offer currently.

I'm sorry for the inconvenience since we do not have more information on Business Loan.

However, if you receive a mail offer from Capital One, you can certainly go ahead and respond to it by calling the number listed on the mail offer.

BUSINESS LOAN:

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Just to confirm, could you please verify as to where your business is located?

If your business is licensed in any of the five states like New York, New Jersey, Connecticut, Louisiana or Texas, you can certainly go ahead and contact our Bank Branch for more information.

BUSINESS LINE OF CREDIT:

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Just to confirm, could you please verify as to where your business is located?

If your business is licensed in any of the two states like Louisiana or Texas, you can certainly go ahead and contact our Bank Branch for more information.

BALANCE TRANSFER:

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On most of our small business credit cards, you'll have a 0% introductory rate on purchases and transferred balances for up to 12 months.

You can certainly go ahead and do a balance transfer from any other financial organization to our Capital One Cards.

SSN:

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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.

MAIL OFFER:

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Just to confirm, did you receive a mail offer from Capital One? Thank you for clarifying that for me. I'll provide you with the link to respond to the mail offer. Please enter the 16-digit Reservation Number and 6-digit Access Code once I provide you with the link. I'd really appreciate if you could let me know once you have responded to the mail offer so that I can provide you with more information. While responding to the mail offer, if you have any questions or doubts, please feel free to ask me. I'll keep this chat window open for you and stand by. Please take your time to complete it. I'll keep this chat window open and stand by in case you have any questions.

5:40 - 10:21 = 4 hours 41 minutes 10:59 - 2:38 = 3 hours 39 minutes 8 hours 20 minutes