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BB has a point – most businesses fail in their first year. You might have been able to pay previous cards, but your circumstances have changed.

Until you’ve got that first year under your belt (so that the institution can see that you’re going to make some real money. It’s not unusual for people to leave $120-$150k / year jobs and earn <$25k in their first year in business) - institutions don't like to lend money. Institutions look suspiciously on businesses who have been going for less than a year who suddenly want credit … understandably! That’s not the GFC – and it’s not dumb. BB is an expert in this stuff and she was just trying to help – you’d be well advised to listen to what she has to say.