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| − | Hi! My name is Justin. How may I help you today? | + | Hi! My name is Mark. How may I help you today? |
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| − | Thank you for your interest in Capital One.
| + | Hello, how are you doing today? |
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| − | Hi there! How are you doing today?
| + | I appreciate your interest in Capital One. |
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| − | At Capital One, we highly recommend that the applicant fill in the application form by their own.
| + | I appreciate your interest in Capital One small business credit cards. |
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| − | If your Business Legal Structure is other than "Sole Proprietorship", you will require the EIN/TIN number.
| + | Thank you for contacting us. |
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| − | 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.
| + | Please give me a moment, let me check that information. |
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| − | With our small business credit cards, you can keep your business expenses separate from your personal expenses.
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| − | We do not have predetermined credit score for our small business credit cards.
| + | TRANSITIONAL STATEMENTS |
| | + | *********************** |
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| − | 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.
| + | I am really sorry for the inconvenience caused. |
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| − | 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 certainly understand your concern. |
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| − | 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 your requirement. |
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| − | I understand that you meet the eligibility criteria, am I correct? | + | I appreciate your patience in completing the applicaton. |
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| − | Just to confirm, are you an existing small business credit card Customer with Capital One?
| + | I apologize for the inconvenence. |
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| − | Just to confirm, are you referring to your existing small business credit card or your personal credit card?
| + | Let me check that information. |
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| − | Thank you for clarifying that for me. | + | Thank you. |
| − | 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.
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| − | 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.
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| − | Please accept my sincere apology for the inconvenience caused to you.
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| − | I regret for the inconvenience caused to you.
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| − | So, would you be interested in our small business credit cards today?
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| − | So, is there anything else I can help you with today?
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| − | 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?
| + | You are most welcome. |
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| − | Just to confirm, how old is your Business?
| + | Please give me a moment, let me check that information. |
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| − | So, which of these credit card features is the most important to you?
| + | Great to know that! |
| − | (a) Travel and merchandise rewards
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| − | (b) Cash back on purchases
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| − | (c) Lower interest rate
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| − | One more question. How would you describe your personal credit history?
| + | Good to know that! |
| − | (a) Excellent credit
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| − | (b) Above average
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| − | (c) Needs some improvement
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| − | (d) Limited credit history
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| − | Are you looking to consolidate personal loans, auto loans, home equity loans, credit card balances---anything except other Capital One debts?
| + | That's quite a long time. |
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| − | That's okay. Not a problem.
| + | I can find a right business credit card which suits your requirement. |
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| − | Just to address, may I have your first name please?
| + | I can send you the application link for business credit cards and assist you in submitting the application. |
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| − | Based on the information that you have provided, we have the ' ' card that will suit your needs.
| + | Nice chatting with you today. Have a great day! |
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| − | 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.
| + | PROBING QUESTIONS |
| | + | ***************** |
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| − | 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.
| + | Are you an existing customer of Capital One small business credit cards? |
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| − | 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.
| + | Are you an existing customer of Capital One personal credit cards? |
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| − | Just to confirm, have you submitted the application form?
| + | Are you referring to your existing Capital One business credit cards? |
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| − | Are you reviewing the important disclosure page or you have submitted the application form? | + | Are you referring to your existing Capital One personal credit cards? |
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| − | Could you please verify as to what message appeared on the screen once you have submitted the application form?
| + | Are you referring to our small business credit cards? |
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| − | I'm really sorry to hear that. However, I appreciate the efforts you took to submit the application form.
| + | Are you referring to our personal credit cards? |
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| − | If your application is declined, you'll receive written notification explaining the specific reasons why it was declined.
| + | Are you looking for business credit cards? |
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| − | You should receive your Capital One card, credit line, and welcome materials by mail within 7 to 10 business days.
| + | I understand that you are looking for business credit cards, am I correct? |
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| − | 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 understand that you are looking for a business credit to transfer balance, am I correct? |
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| − | I sincerely appreciate your continued patience and it was really nice chatting with you today. Have a great time. Bye and take care!!!
| + | Features |
| | + | ******** |
| | + | We have five different types of business credit cards with exiciting features. |
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| | + | We have five different types of business credit cards with exiciting features, shall I find a right business credit card which suits your requirement? |
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| − | 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.
| + | On most of our business credit cards the credit line will be between $500-$20,000. The exact amount will be determined upon approval of the card. |
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| − | That's okay. Please chat with us anytime at your convenience, it'd be our pleasure to help you.
| + | Once your account has been established you can call our customer relations to increase the credit limit. |
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| − | BUSINESS LOAN AND BUSINESS LINE OF CREDIT:
| + | On most our business credit cards |
| − | ==========================================
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| − | Our small business loan and business line of credit are available only through mail offer currently. | + | Our business credit cards, |
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| − | I'm sorry for the inconvenience since we do not have more information on Business Loan.
| + | Most of our customers found our business credit cards, as great source for financing their business. |
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| − | 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.
| + | CRITERIA |
| | + | ******** |
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| − | BUSINESS LOAN:
| + | I am sorry, at Capital One you cannot switch between cards or upgrade your existing business card. However, you can apply for another business credit card. |
| − | ==============
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| − | Just to confirm, could you please verify as to where your business is located?
| + | At Capital One you can apply for more than one business credit cards. |
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| − | 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.
| + | The rewards which you have earned with your existing business cards are non-transferrable and cannot be combined with anyother program. |
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| − | BUSINESS LINE OF CREDIT:
| + | If you pay your minimum balance within the due date APR will not accrue on purchases during the non introductory period. |
| − | ========================
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| − | Just to confirm, could you please verify as to where your business is located?
| + | If you pay your outstanding balance during the introductory period then the APR will not accrue on purchases. |
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| − | 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.
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| − | BALANCE TRANSFER:
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| − | =================
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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.
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| − | You can certainly go ahead and do a balance transfer from any other financial organization to our Capital One Cards.
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| − | SSN:
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| − | ====
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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.
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| − | MAIL OFFER:
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| − | ===========
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| − | Just to confirm, did you receive a mail offer from Capital One?
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| − | Thank you for clarifying that for me.
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| − | I'll provide you with the link to respond to the mail offer.
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| − | Please enter the 16-digit Reservation Number and 6-digit Access Code once I provide you with the link.
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| − | 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.
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| − | 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.
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| − | 5:40 - 10:21 = 4 hours 41 minutes
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| − | 10:59 - 2:38 = 3 hours 39 minutes
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| − | 8 hours 20 minutes
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Hi! My name is Mark. How may I help you today?
Hello, how are you doing today?
I appreciate your interest in Capital One.
I appreciate your interest in Capital One small business credit cards.
Thank you for contacting us.
Please give me a moment, let me check that information.
TRANSITIONAL STATEMENTS
I am really sorry for the inconvenience caused.
I certainly understand your concern.
I understand your requirement.
I appreciate your patience in completing the applicaton.
I apologize for the inconvenence.
Let me check that information.
Thank you.
You are most welcome.
Please give me a moment, let me check that information.
Great to know that!
Good to know that!
That's quite a long time.
I can find a right business credit card which suits your requirement.
I can send you the application link for business credit cards and assist you in submitting the application.
Nice chatting with you today. Have a great day!
PROBING QUESTIONS
Are you an existing customer of Capital One small business credit cards?
Are you an existing customer of Capital One personal credit cards?
Are you referring to your existing Capital One business credit cards?
Are you referring to your existing Capital One personal credit cards?
Are you referring to our small business credit cards?
Are you referring to our personal credit cards?
Are you looking for business credit cards?
I understand that you are looking for business credit cards, am I correct?
I understand that you are looking for a business credit to transfer balance, am I correct?
Features
We have five different types of business credit cards with exiciting features.
We have five different types of business credit cards with exiciting features, shall I find a right business credit card which suits your requirement?
On most of our business credit cards the credit line will be between $500-$20,000. The exact amount will be determined upon approval of the card.
Once your account has been established you can call our customer relations to increase the credit limit.
On most our business credit cards
Our business credit cards,
Most of our customers found our business credit cards, as great source for financing their business.
CRITERIA
I am sorry, at Capital One you cannot switch between cards or upgrade your existing business card. However, you can apply for another business credit card.
At Capital One you can apply for more than one business credit cards.
The rewards which you have earned with your existing business cards are non-transferrable and cannot be combined with anyother program.
If you pay your minimum balance within the due date APR will not accrue on purchases during the non introductory period.
If you pay your outstanding balance during the introductory period then the APR will not accrue on purchases.