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concorduser wrote:None of the Citi backed biz cards report to either personal or biz credit reports. I have 9 citi backed biz cards and none of them report. That is I am starting building biz credit all over again.
UpUpUp wrote:
concorduser wrote:None of the Citi backed biz cards report to either personal or biz credit reports. I have 9 citi backed biz cards and none of them report. That is I am starting building biz credit all over again.Thanks so much for that info. now I know what to stay away from.
concorduser wrote:Dont stay away from them. Get them and use them. Just keep in mind they dont report. They are real cards and will be extremely helpful. They range all the way from gas cards to store cards to platinum cards. They keep track of the accounts internally and will help you getting other cards with them.
UpUpUp wrote:
concorduser wrote:None of the Citi backed biz cards report to either personal or biz credit reports. I have 9 citi backed biz cards and none of them report. That is I am starting building biz credit all over again.Thanks so much for that info. now I know what to stay away from.
Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500
Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500
Uncle_Money wrote:
The Citi Professional Card reports to my EX CR every month. Then again, I didn't even have to enter my tax id to apply. Their terms do state that the card is to be used for business purposes only, though. Strange that they wouldn't even ask! I have heard the same about the Plum so I'm a little skeptic to apply just yet. The last thing I need is another hard pull on EX. Looks like a solid card from what I can tell.
Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500
If you dont mind risking a hard inq and if you dont have any thing negative, I would say go for Amex Biz Gold Charge Card. You might get it if you have scores of high 600's on EX
Uncle_Money wrote:
All good points. I think you're correct about the Plum. Let me ask you this. I've heard one of the easier cards to get from Amex is their preferred rewards green card, which is personal. If I apply for the Green, do you think I would be able to call and ask to switch me to a biz card? At the end of Aug, I will have 7 inquiries counting for 2007 and my Ex score will be in the 714 range, according to the Fico simulator. At this point my utilization will also be around 20% and zero baddies on the report.