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Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
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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!



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Mega Contributor
Creditaddict
Posts: 19,652
Registered: ‎10-23-2007
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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!

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Navy Federal Business Credit Card

I'm heading for a mortgage refi. Cant do it :smileysad: 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
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

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

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