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Navy Federal Business Credit Card

Moderator Emeritus

Re: Navy Federal Business Credit Card

Next question is about amex backdating.

If I apply for the lowes amex next year, say january, will my member since date be 2012 or 2013? I opened zync in 2012

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 11 of 14
Epic Contributor

Re: Navy Federal Business Credit Card


webhopper wrote:
Next question is about amex backdating.

If I apply for the lowes amex next year, say january, will my member since date be 2012 or 2013? I opened zync in 2012

2013

Amex Personal and Amex Business are seperate.

id apply now to get the most out of the year!

Message 12 of 14
Moderator Emeritus

Re: Navy Federal Business Credit Card

I'm heading for a mortgage refi. Cant do it Smiley Sad I can do it in December....
Most of my business spend is at lowes. The other is labor. I have a ton of inquiries on my reports. How sensitive are they to inqs? Should I garden so that there are not many left? My EX inqs will be significantly reduced by Feb 2013.

Is it like personal where a decline will only cost a SP since I'm already an amex cardmember?


Thanks for helping me with my questions!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 13 of 14
Moderator Emeritus

Re: Navy Federal Business Credit Card

I think I'm gonna add navcheck and nfcu business in October. And ill look at adding amex lowes as my second business card.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 14 of 14