Originally Posted by
allthem
DP: Approved for an Alaska biz card at ~15/24 after having previously closed another Alaska biz card approximately 2 months prior. In both cases I applied under different EINs/businesses, and in both cases BofA requested a CD. It's tough to say for certain, but I suspect that anti-churning rules for card are based off the business credit report rather than the personal one - and that the BofA personal rules don't apply to the card.
I doubt they're doing anti-churning rules off a business credit report (or if so that it'd be effective at all), because the business credit report they use doesn't show cards from most banks. Based on how few business cards they'd said I'd ever had (when they complained that my business card history was too small) it seems to me that they only saw business cards from BofA itself and one other bank, whereas I'd had quite a few more business cards from several other banks in the time span they were talking about. Among the banks they didn't seem to see were Citi and Amex!
It's much more likely that they simply aren't doing most of their anti-churning rules on business cards. They instead try to hold down business card applications by requesting CDs, requesting tons of documents, etc, etc. (Lots of people bail on their BofA business card applications when they get those requests.)