Hey there @webjet.. You already know that there is no way that we can answer the "how long" questions here. Neither your fellow sellers nor Square folks are privy to the workings of the algorithm. I can say this from the information you provided, though. There have been other sellers recently who have been waiting months and months after a denial and still not received an offer. That seems to be a big event with high weight.
Also, 79% completion is too low these days. It has been for over two years. These days new offers are trending into the high 80s and 90s, with many sellers not receiving one until they've paid off loans. I'm ONLY GUESSING here, but Square may have finally wised up to the fact that new offers too early are getting some sellers in to deep, especially considering the fact that those sellers are paying interest on interest when rolling unpaid balances forward. It's not a wise credit move and not a responsible lender move, IMO.
Anyway, regardless of the reasons, I wouldn't begin to expect a new offer until I was at 90%, as a rule. Yes, there will be some who do get that, but I'm betting they are few and far between anymore.
Chip A.
Square Expert & Innovator and member of the Square Champions group. (But NOT a Square employee, just a seller like you)
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