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Would a PRG be worth it for me? Rewards gurus welcome :)

Moderator Emeritus

Re: Would a PRG be worth it for me? Rewards gurus welcome :)

If my gross business income is 24k, and my YTD spend on Zync is like 34k... will Chase FR me or close my account if I were to shift my spending to this card? Technically this is a business card, but most of my income comes from being a w-2 wage earner. My "business" is more of a hobby that helps pay the bills, but itsn't something that my husband and I can live off of. We are a 180k household income family, two w-2 wages, disability income, sole proprietor business income, child support.

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 13
Valued Contributor

Re: Would a PRG be worth it for me? Rewards gurus welcome :)


webhopper wrote:
If my gross business income is 24k, and my YTD spend on Zync is like 34k... will Chase FR me or close my account if I were to shift my spending to this card? Technically this is a business card, but most of my income comes from being a w-2 wage earner. My "business" is more of a hobby that helps pay the bills, but itsn't something that my husband and I can live off of. We are a 180k household income family, two w-2 wages, disability income, sole proprietor business income, child support.

That's fine. Just tell Chase this is a side business and that it is sole proprietor. Chase runs your personal credit report during credit check.

Message 12 of 13
Moderator Emeritus

Re: Would a PRG be worth it for me? Rewards gurus welcome :)

Thats cool thank you for the advice, I will look into this.   I used to have a business checking account with Chase, so they already have my state liscense and "articles of organization" on file.  My login portal to access my Chase Amazon Card is actually the business customer portal.


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 13