Revised :Citi Advantage Business advise ?

[NY2014]

Hello everyone , Well I applied  for the Citi Business AA after reviewing the benefits/Traval rewards for my business which i will be doing lost of traveling in 2015.

went to the citi sight and applied, i received unforturniately we cannot approve you at this time you'll recieve a letter blah blah,

The past three weeks first aproved  ,Chase Saphfire, $20k/Citi DC.   $5k, CLI to (15k Amex delta business HP.CLI,not SP),

Chase ink business  $5k, move over from Saphfire to open Ink biz   I wanted to be approved close to 10k because I can run up at

 that amount monthly just on airfare/hotels, alone monthy,internationally,

my personal credit score , 729 EQ 10inq 5 within the past 6 months/ amex pulled me three times NFCU 4 times ooch!  /TU Dropped 59 points now 747 4inq /EX/737.5inquires  , less than 2 yrs Age  history .Utilities less than 1% I charge and use all my cards,pay off to 0 balance leave a balance only on 1or2 account , oldest credit history 10yrs, clean file. no lates,collections. my income in the mid $100k busin, since 2011, 

I contacted the Business app status and confirmed reason for the responing message was my credit was on ice (frozen) I needed to unlock EQ/

i was really hoping my EQ credit wasnt going to be used I assumed citi would checked  EX/like with Citi DC,

anyways, if anyone see any  I asked myself,this is my last app until 2016,  Managed  to obtain  enough personal credit,(thanks NFCU) specially everyone help and advise i managed to take and learn

trying to build my business without using my personal usagehow inq sensitive,Citi AA? resent  new open accounts ,? Trying to  consider my options, give the green light unlock EQ take the HP, or request Chase if I can move my credit line from my Saphire

personal to chase ink,? anyone can weigh in there opinion or ideas ?

 Thanks  in advance .very much appreciated ..

[370Z]

Citi is known to be inquiry sensitive, especially in regards to the last 6 months.

[NY2014]

   Thanks ( 370Z)  for your feedback I already quickly changed my thought with Cit AA  to keep my file  locked, cancel my App.

greatly appreciate the advise,  from all here ,i wasnt feeling good about it,  Greatfully pleased what I accommished 

with building my credit  scores and approvels.Citi AA. became a wild card after,Chase gave me a low limit,but not dissapointed,..  

I noticed you have many chase,I already planning  with Chase reverse CL .personal/Business  

having the benefits helps  me a very positive way.then $5k,only chase Ink felt like i was left in vegas and I had to Support  group get me away from the crap table all on # LOL  caught up applying for a mixed of business.but approvals could have not come at any better time .begin the first of  year will be traveling for business racking lots travel miles and hotelshave more to utilize with  my cash reserves paying out less quickly.,what is the policy chase regards  closing a  personal to transer the limit to my business Ink, ? Will calling Chase first break morning pay off Saphfire Balance before I attempt any negociations  and request the if we can tranfer $15k from leaving $5k  ink $20k,

I'll make my case be well prepared.,A little bit confused I .they only approved me by tranfering $5k from my personal usa card to open the busin INK ?

reaches my limit with them ? to much a risk,? not sure my busines did an inquiry Amex.BJ's inquired verified,business in good standing ..chase contacted me and only verified only to fax my tax ID with address when i contacted after its been over 5 days,they tranfered me over to a analyist and asked me to faxe to her fax, and called me back a few questions after says sinse i was approved already for the Saphfire,they will tranfer $5k to ink, if i was thinking fast enough I would have requested them to have transfered that them,.. 

sorry to make this a long  review story,

thanks for patience will let you know the outcome .. 

Wish me luck ..

regards  

[370Z]

Supposedly it's possible to transfer from personal to business, but not vice-versa. I don't believe anyone has posted about doing it recently though.

[Creditaddict]

lucky you... chase wouldn't let me use personal credit lines to open business credit line!

[red259]

---

@Creditaddict wrote:

lucky you... chase wouldn't let me use personal credit lines to open business credit line!

---

I had to take 5k of my CSP to open an Ink Bold. If I could go back in time I would have applied for the Ink Plus instead (I like knowing what my credit line is, instead of one that changes month to month), although I am hoping next year to pick up the ink plus when they have a decent signup offer. 

[NY2014]

Update regarding Transferring CL Personal to Business Chase INk . Was told you cannot transfer personal to business ... I called to # on my card will try recon # see if they say different
Bummer !