Applying for Business Credit Cards [Consolidated]
Sep 26, 2014, 12:43 pm
#256
Join Date: Apr 2014
Posts: 43
No concerns about my FICO. I'm at 776. Over the last two years I've racked up a ton of personal cards (for sign-up bonuses) and was running out of new personal card options. Never had a business card before so I was considering starting to apply for those.
Sep 26, 2014, 1:54 pm
#259
Join Date: Dec 2010
Location: Indianapolis
Programs: Hilton-Diamond Lifetime Platinum AA UA, WN-CP, SPG Gold.
Posts: 7,377
Who has the most business cards...,Chase,
Amex is no problem either, if you have the business credit limits.
Citi is also easy,
The best borrowed money is your own, that is in the bank...
The Paper Trip, is an old book,
Amex is no problem either, if you have the business credit limits.
Citi is also easy,
The best borrowed money is your own, that is in the bank...
The Paper Trip, is an old book,
Sep 29, 2014, 1:25 am
#262
Formerly known as FTRox87
Join Date: Sep 2012
Location: TX
Programs: AA/US 1M, AS, BA, CX, EK, EY, JL, KE, LH, NH, OS, QF, QR, TG, UA/CO | *$G
Posts: 1,428
Why is that? I think someone in the MS forum said Chase is strict but doesn't care much about MOs in a biz checking account.
Sep 29, 2014, 12:39 pm
#263
Join Date: Sep 2014
Location: San Francisco
Programs: United
Posts: 62
The AMEX "financial review" and Citi "tax return" are pretty much the same thing (IRS form 4506-T) except for the timing: In the Citi case, they hold up your application for a few weeks to a couple months if they need that, but your other accounts (if you have other accounts at Citi) are untouched during that time. At AMEX, it can happen after you've opened an account and are in the middle of using it.
However: In either case, this has nothing to do with whether it's a personal or business card! If you have this concern for business cards, you should have exactly the same concern for personal cards!
However: In either case, this has nothing to do with whether it's a personal or business card! If you have this concern for business cards, you should have exactly the same concern for personal cards!
More than the issuing bank, having your ducks in a row will determine your ease of application. If you have bad credit (particularly bad payment history or tons of recent account openings) and you're stuttering about what it is you do and how much revenue you have or will have on the reconsideration call, the bank doesn't matter.
Oct 24, 2014, 6:42 pm
#264
FlyerTalk Evangelist
Join Date: Nov 2002
Location: Freeload Univ. Where are you sitting?
Posts: 14,818
MY FICO is over 800. I've been "invited" (email) to apply for a Citi Business card, with a 50K AA bonus with 3K spend/3 months.
Looks inviting, but the last time I applied for a biz card (I think it was with Citi) I remember getting a hard time and no card.
I already have their Master Card. Probability of approval?
Looks inviting, but the last time I applied for a biz card (I think it was with Citi) I remember getting a hard time and no card.
I already have their Master Card. Probability of approval?
Dec 29, 2014, 4:50 am
#268
Join Date: Mar 2010
Location: mountains of western NC
Programs: Life, Love and Laughter
Posts: 8,537
Dec 29, 2014, 10:54 am
#269
Join Date: Nov 2013
Posts: 135
In my applications for Business cards (with a real business, s-corp, with real revenue not an "ebay" business/0 rev), I'd say that you get pending a lot more than with personal cards, but not outright denied any more often. A lot of the people take that to mean you should call immediately but I never call and I only got denied once after going pending (out of 10? tries, something like that). I always wait because I think it basically gives you another free crack at it - because you usually get auto approved without calling, vs potentially getting denied by recon without the regular approval people seeing it and getting notes on your account.