Amex Blue Business Plus Approved

Anonymous — Mon, 03 Dec 2018 22:58:41 GMT

Greetings

I was looking to expand my online selling store as well as my online tutoring side gig so I decided to apply for this card. Mainly it makes life better by having my side gig and primary job (current employer allows me to use personal credit cards and get reimbursed) expenses off my personal credit report. Most of the time I lay out the money before it reports otherwise my utilization on some cards would be 80%+ so it made sense. Did not want Chase cards because of the HP and just opened two Chase cards since September. I rolled the dice with Amex being only a soft pull and I was correct as I did not get an alert. At least not yet.

Basically was tired of worrying about UTIL so this is a nice add. Current recent lineup includes:

9/2018 CFU $5600

11/2018 CSP $7000

11/2018 BCP $7000 (originally gave me $2k but moved $5k from Delta Plat)

I filled out the basic information and was logged into my account so when I selected SP as type of business it did not ask for my SSN or EIN. For business revenue I did not know whether to put projected for 2019 or current YTD so I chose YTD as it will be around $5000. Amex business applications now do not allow you enter revenue under $1000 which makes sense. I verified the 3 digit PIN on the back of my BCP and it instantly approved me for $20,000 which is by far my highest limit. This will help my utilization and plus I really wanted to use the tool where I can save receipts and track expenses as it will save me time when I have to fill out my reimbursement form and reduce the risk of receipt hunting.

Some more DPs

Ex 717

Tu 750

Eq 756

Income: $87750

Business Income (Projected 2018): $5000

Here is the oddity to this:

5 late payments. 4 30 day lates 1 60 day lates. Recent derog was just under two years with the rest approaching three years. Been working on getting them removed.

Odd Amex would give me the BCP and start me at $2k then a month later give me a $20k limit on the BBP. I am pretty sure they were looking at an old credit report from August or September for the BCP as my FICO scores were in the 670s with a 60% utilization.

Glad I got this card with a generous limit and I can now use it without worrying about tangling it with personal expenses. I will seek to change my CFU to a Freedom Card and get the Amex gold in 6 or more months but we will see how things are. I still have a few Delta skymiles so I can transfer MR to there. But still, very excited to claw from credit hell to build a solid lineup and I have these forums to thank once again.

Am I able to move around limits from business cards to personal cards? Likely not but figured I ask. I did ask if they can expeditie the card and they said no. Woman on the phone sounded annoyed I called and said "Congratulations again Mr. ______ and have a nice day." Then promptly hung up.

Re: Amex Blue Business Plus Approved

19eighty5 — Mon, 03 Dec 2018 23:01:12 GMT

Congratulations on your approval!

topic Re: Amex Blue Business Plus Approved in Business Credit

Amex Blue Business Plus Approved

Re: Amex Blue Business Plus Approved