topic Re: Citizens Everyday Points MC - In Review in Business Credit

Citizens Everyday Points MC - In Review

JFox418 — Sun, 12 Dec 2021 18:10:53 GMT

Thanks @4sallypat for the recommendation. I already have a citizens business checking and we use them for personal checking and savings too. Was trying to get some numbers in order before apping which happened today. The SP was certainly appealing so app'd today. No HPs showing so that's good. Got an "in review" response and an email confirming the application. Guess we'll see.

Re: Citizens Everyday Points MC - In Review

M_Smart007 — Sun, 12 Dec 2021 23:00:20 GMT

@JFox418,

May the odds be in your favor, please let us know the outcome?

Thank you & Happy Holidays

Re: Citizens Everyday Points MC - In Review

4sallypat — Sun, 12 Dec 2021 23:32:51 GMT

Yes, let us know your Citizen's Business MC outcome!

Re: Citizens Everyday Points MC - In Review

JFox418 — Mon, 13 Dec 2021 01:29:09 GMT

@4sallypat wrote:
Yes, let us know your Citizen's Business MC outcome!

I think I may have messed up! Is it the platinum that's a SP? I went for the rewards.... which is ok since I was thinking about going for an FNBO. I'm just going to wait and see how this goes.

Re: Citizens Everyday Points MC - In Review

4sallypat — Tue, 14 Dec 2021 09:25:03 GMT

When I applied, they gave me a choice: Everyday Points or Platinum (lower APR).

I chose the Platinum:

Re: Citizens Everyday Points MC - In Review

M_Smart007 — Mon, 13 Dec 2021 06:24:33 GMT

@JFox418 wrote:
@4sallypat wrote:
Yes, let us know your Citizen's Business MC outcome!
I think I may have messed up! Is it the platinum that's a SP? I went for the rewards.... which is ok since I was thinking about going for an FNBO. I'm just going to wait and see how this goes.

Hi @JFox418 ,

I think you are ok on the "SP" for the "Everyday Points MC"

Re: Citizens Everyday Points MC - In Review

JFox418 — Mon, 13 Dec 2021 13:22:38 GMT

@M_Smart007 wrote:
@JFox418 wrote:
@4sallypat wrote:
Yes, let us know your Citizen's Business MC outcome!
I think I may have messed up! Is it the platinum that's a SP? I went for the rewards.... which is ok since I was thinking about going for an FNBO. I'm just going to wait and see how this goes.
Hi @JFox418 ,
I think you are ok on the "SP" for the "Everyday Points MC"

Oh very nice. So far I'm right on track with how your app played out. I don't have nearly the history and business size you do but fingers crossed!

Re: Citizens Everyday Points MC - In Review

JFox418 — Mon, 13 Dec 2021 17:08:21 GMT

Received a request this morning from Citzens to supply 3 months of business bank statements and update the description of the business. Linked my Citzens checking account and gave them the description update. Not much action in the checking account so hopefully that's not a negative!

Re: Citizens Everyday Points MC - In Review

4sallypat — Mon, 13 Dec 2021 18:38:22 GMT

@JFox418 wrote:
Received a request this morning from Citzens to supply 3 months of business bank statements and update the description of the business. Linked my Citzens checking account and gave them the description update. Not much action in the checking account so hopefully that's not a negative!

That is a very good sign.

They asked me the same and I uploaded the bank statements as well as my state resale permit.

2 days later, approval arrived by email.

Good luck!

Re: Citizens Everyday Points MC - In Review

TryItAgain — Wed, 15 Dec 2021 22:38:29 GMT

Everything you guys had happen did for me as well, pin arrived by mail 2 days ago, card arrived yesterday and already used it today. This was all about a week after the approval email. Just a bit of a clunky app & approval process but otherwise fine. In the end though it's a Soft Pull to personal credit Only for sure, and reports to Business Equifax according to customer service.

Re: Citizens Everyday Points MC - In Review

JFox418 — Thu, 16 Dec 2021 14:04:57 GMT

Still no email. I was nervious yesterday, received a Citizens envelope in the mail and didn't have a card in it. I got bummed but after opening seen it was a home equity promotion and was relieved. haha still crossing my fingers.

Re: Citizens Everyday Points MC - In Review

Anonymous — Wed, 22 Dec 2021 03:46:54 GMT

Has anyone any DP's to share for apping as a Sole Proprietorship? Y'all just using SSN in the EIN box or actual EIN? Just been using SSN since it's my side hustle(s), any particular benefits/drawbacks to having an EIN?

Re: Citizens Everyday Points MC - In Review

JFox418 — Wed, 22 Dec 2021 15:07:30 GMT

@Anonymous wrote:
Has anyone any DP's to share for apping as a Sole Proprietorship? Y'all just using SSN in the EIN box or actual EIN? Just been using SSN since it's my side hustle(s), any particular benefits/drawbacks to having an EIN?

Sorry don't have much info for you. I have an EIN for my LLC. Mine's a side hustle as well. I consulted an accountant/business person about setting it up and that's what was recommended.

Re: Citizens Everyday Points MC - In Review

GApeachy — Tue, 28 Dec 2021 22:31:21 GMT

@JFox418 any update?

Re: Citizens Everyday Points MC - In Review

JFox418 — Wed, 29 Dec 2021 00:55:00 GMT

@GApeachy wrote:
@JFox418 any update?

Notta I just emailed the lady who sent the email requesting more info when I applied so I'll see what she says.

Re: Citizens Everyday Points MC - In Review

GApeachy — Wed, 29 Dec 2021 15:41:32 GMT

@JFox418 fingers, toes, and eyes crossed for ya! 👍

Re: Citizens Everyday Points MC - In Review

JFox418 — Wed, 29 Dec 2021 17:13:50 GMT

Bad news, unable to approve request. Guess I'll get an email with the reason on the 3rd.

Now I need to consider applying for an FNBO evergreen biz account. I was just approved for the person but I just added 3 inquiries in the last month. Not sure if I want to add a 4th or not.

Re: Citizens Everyday Points MC - In Review

GApeachy — Wed, 29 Dec 2021 18:50:44 GMT

@JFox418 wrote:
I was just approved for the person but I just added 3 inquiries in the last month. Not sure if I want to add a 4th or not.

Perhaps those recent inquiries scared them off. Not to mention the new FNBO personal card.

Re: Citizens Everyday Points MC - In Review

ocheosa — Thu, 30 Dec 2021 13:59:06 GMT

@Anonymous wrote:
Has anyone any DP's to share for apping as a Sole Proprietorship? Y'all just using SSN in the EIN box or actual EIN? Just been using SSN since it's my side hustle(s), any particular benefits/drawbacks to having an EIN?

Hi @Anonymous ,

I am a Sole Proprietor with an EIN and registered with the state. I was advised to set up my business this way and am so glad I did since many entities have requested it as proof of business (ie Loans, Grants, Bank Accounts). I was asked to email my ein and business registration docs to set up the corporate account.

For the citizens app it requests the EIN in the business section and the SSN in the personal section. I don't know if you can use the SSN in the EIN box. I've noticed on a few apps in the past you are sometimes given an option.

You may be able to have the account set up as a peronal business account but I don't know how that would report? Maybe give the business services dept 1-888-798-4600 a call with your questions? I can confirm they're very knowledgable on procedure.

Good luck!

Re: Citizens Everyday Points MC - In Review

JFox418 — Sun, 02 Jan 2022 20:42:28 GMT

@GApeachy wrote:
@JFox418 wrote:
I was just approved for the person but I just added 3 inquiries in the last month. Not sure if I want to add a 4th or not.
Perhaps those recent inquiries scared them off. Not to mention the new FNBO personal card.

I applied for this before any of the new accounts. I have a feeling I just don't move enough money through my business. It's not the end of the world. I don't NEED a business CC just wanted something to start building credit for it. %2 would have been handy too haha