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@Themanwhocan wrote:Hmm, Self employed. Why are there no Business cards in your lineup?
Chase Business INK cash: $200 after spending $3000 in first 3 months (thats about 6.66% cash back, not counting the additional cash back listed below).
plus 5% cash back on Office Supply Stores, Cellular Phone, Landline, Internet, and Cable TV services.
plus 2% cash back on Gas Stations and Restaurants.
1% everything else. no annual fee. And it should be a start on developing a set of business cards, as opposed to personal cards.
I had thought about this when I saw the Ink advertised somewhere but I wasn't sure how it worked with regards to inquries and reporting. When I looked at the application it wanted my business EIN and personal SSN. I stopped once I saw SSN because I wasn't sure if that would result in a HP on my report. I meant to read up on it but forgot.
If it has no negative impact on my personal credit then I'll start on that.
@Themanwhocan wrote:Why yes, I AM evil. I did mention the 6.66% cash back didn't I?
That got my attention!
Whether a business CC has an effect on your personal credit depends on the situation.
Typically such a card has a PG, and thus a hard pull of personal credit. When I got Chase Ink, they pulled TU.
Beyond that, the business CC may or may not report to your personal CRs, and that may or may not be a good thing -- it depends on what you're looking for.
For example, my Chase and Citibusiness cards do NOT report to my personal credit, and I like it that way. Some other business CCs do report to personal.
@user5387 wrote:Typically such a card has a PG, and thus a hard pull of personal credit. When I got Chase Ink, they pulled TU.
Thanks for sharing. I thought that would be the case but wasn't sure. I'll check out what is available in February and see how I go with a couple of business cards.
I'm sure you have installment loans being self-employed...?
@ptilda wrote:I'm sure you have installment loans being self-employed...?
Aside from my leased car, no. I don't have any need for any business loans.
@Anonymous wrote:
Not sure if you could work your US Bank Flex Perks Cash Card up to a CL of $5K and p/c to a US Bank Cash+ Visa Signature Card with enhanced cash benefits.
That is my goal for that card. I was recently able to get that CL increased from $500 to $2,000 so I need to use it for a while before I ask for another increase.