Originally Posted by iowa guy

Does a credit report show business cards for a sole proprietorship?

Originally Posted by sdsearch

...I moved my address for almost everything (including all banks) to the UPS Store, and only a very small number of banks (not Chase that I recall) have asked for my physical address since.

Originally Posted by iowa guy

Does a credit report show business cards for a sole proprietorship?

Originally Posted by iowa guy

Does a credit report show business cards for a sole proprietorship?

Originally Posted by iowa guy

Does a credit report show business cards for a sole proprietorship?

Originally Posted by RNE

Still, I think a lender not knowing the address of your residence could make them antsy.

Originally Posted by sdsearch

Why, if they don't ask? Like I said, one or two banks did ask for my physical address, and I provided it. (The one I remember for sure was US Bank.)

But if a bank only asks for my mailing address, it's their fault that they didn't ask if my physical address is different from my mailing address. I'm not withholding that information, most banks simply don't ask for it.

I'm not the only person whose mailing address is not the same as their physical address. I've run into people on FT who use a mailing address for a service that forwards their mail around as they travel, because they're away from home for much longer stretches than I am.

So banks (especially ones issuing travel cards) should anticipate this if they really care.

Originally Posted by beltway

Is anyone else concerned that doing a product change from Freedom (Visa) to the new Freedom Flex (MC)—necessarily resulting in the generation of a new card number—will end up being counted against one’s 5/24 total?

Originally Posted by beltway

Is anyone else concerned that doing a product change from Freedom (Visa) to the new Freedom Flex (MC)—necessarily resulting in the generation of a new card number—will end up being counted against one’s 5/24 total?

Originally Posted by ithinkurdumb

Perhaps relevant datapoint: When Citi changed their cards from Visa to MC, they did not show up as new account on my credit report.

Originally Posted by sdsearch

That's the problem when companies/organizations don't allow you to provide a mailing address separate from your home address. If you home address mailbox is not secure, then you have to provide only your secure mailing address which in my case cannot be my home address.

Originally Posted by Dr Jabadski

Another datapoint: 10/24 to 20/24 from 2009 through 2018, got to 2/24 (4/24 inc business cards) this month, CPC for 4 years. Just received instant approval for multiple Chase business cards within a few hours of each other. Owner, sole proprietor, 1 employee (me), $50,000 annual revenue/sales, 20 years in business.

Originally Posted by Dr Jabadski

Datapoint addendum: An hour after the 2 instant business card approvals, I applied for a Chase personal card. Got the “Thank you for your request. We need to review …” message. Called 888-609-7805 (Lending) immediately, quick pick-up by a human, long conversation, multiple long holds, transferred to Verification Dept, another long discussion. Still pending! Card not seen on-line today (2 days later), called again, same number, quick human pick-up again, medium length conversation with 2 brief holds, asked about income again, approved with high credit limit which did not have to be reallocated from my existing 1 other Chase personal very high credit limit. Card confirmed in my account online immediately.

The agent I spoke with today was very gracious. Before the approval we discussed that we're both from the same area, a friend of mine had relocated to where she lives now which has a unique climate, her father and I had been in the same business and had trained in the same geographic area. After the approval and my thanking her, I asked about 5/24 which she readily said was a reason for automatic decline. I asked about multiple applications within 1 month or 30 days, she said there was no such policy.

Originally Posted by cjw2001

From the account management website: "Your primary address is where you live—typically, what's on your driver's license or other government-issued ID. If you'd like us to send your mail for any accounts to a different address or addresses, choose 'Add' above."

Originally Posted by sdsearch

As I mentioned, my mailing address (not my home address) is what is on my driver's license too!

So since that want me to put in what on my driver's license, have I not already done what they want?

Meanwhile, they don't seem to have one place to put a mailing address. They have it for each card separately (unless it's your primary address which is your mailing address). Well, I have a bunch of cards each on the personal and business side (different logins), it would be a big pain to update it all. And a risk that they would sent stuff to the wrong place if I did it at the wrong time (I get paper statements on all my cards).

Originally Posted by cjw2001

Federal law (Patriot Act) requires them to have your actual physical address on file.

Originally Posted by sdsearch

Please show me where in which Patriot Act it says that.

In this Patriot Act text I found online:

https://www.congress.gov/107/plaws/p...-107publ56.htm

there are 20000+ references to "address" (so I can't look at them all), but zero references to "physical address", zero references to "home address" or even "home", zero references to "residence address" (and the handful of references to "residence" are not talking about providing addresses), and only one reference to "mailing address" (not relevant to this).

So I definitely can't find what you're referring to, but then I don't know what exact language they may have used.