topic Buisness Cards only pull business credit in Business Credit

Buisness Cards only pull business credit

triplettomy — Sat, 26 Feb 2022 00:36:41 GMT

Is Amex the only card issuer that only pulls the business credit report when submitting an application may be looking to go for a new business card but not looking to get anymore HPs on my Personal report due to a recent car purchase.

Re: Buisness Cards only pull business credit

FinStar — Sat, 26 Feb 2022 01:06:57 GMT

@triplettomy wrote:
Is Amex the only card issuer that only pulls the business credit report when submitting an application may be looking to go for a new business card but not looking to get anymore HPs on my Personal report due to a recent car purchase.

Just to clarify, AENB pulls personal CRs (in most cases SP if you're an existing customer) for lending decisions.

Are you applying as a sole proprietor or different business structure? Does your business have an EIN? There's a variety of options for non-PG credit cards.

For instance, Citizen's Bank will SP personal CRs as part of the UW criteria (no HPs reported so far) and will also use business reports for UW.

Re: Buisness Cards only pull business credit

Red1Blue — Sat, 26 Feb 2022 01:28:13 GMT

You can try Sams MC, Amazon 55 day. Walmart communiy. They dont pull personal.

Re: Buisness Cards only pull business credit

triplettomy — Sat, 26 Feb 2022 03:57:46 GMT

Sorry yes, Sole-Prop, no EIN yet currently use SSN. When I said a SP for AENB becuase I am an existing customer. Do you have a citizens product you can recommend for buisness?

Re: Buisness Cards only pull business credit

triplettomy — Sat, 26 Feb 2022 03:58:42 GMT

Which is the walmart one and do you need a sams club membership for the sams club one. Im thinking yes becuase I assume its similar to like a BJ's card but I know BJ's doesn't have a buisness product.

Re: Buisness Cards only pull business credit

FinStar — Sat, 26 Feb 2022 05:06:05 GMT

@triplettomy wrote:
Which is the walmart one and do you need a sams club membership for the sams club one. Im thinking yes becuase I assume its similar to like a BJ's card but I know BJ's doesn't have a buisness product.

For the Walmart product, the last known link that folks used to apply is below:

https://www.walmart.com/cp/walmart-community-card/6652036

For the Sam's Club Business CC, yes you need a membership to apply.

BJ's Wholesale used to have a business credit card while it was under Comenity, it was called My BJ's Perks® World for Business Credit Card

Re: Buisness Cards only pull business credit

K-in-Boston — Sat, 26 Feb 2022 18:49:49 GMT

@FinStar wrote:
@triplettomy wrote:
Which is the walmart one and do you need a sams club membership for the sams club one. Im thinking yes becuase I assume its similar to like a BJ's card but I know BJ's doesn't have a buisness product.
For the Walmart product, the last known link that folks used to apply is below:

https://www.walmart.com/cp/walmart-community-card/6652036

For the Sam's Club Business CC, yes you need a membership to apply.

BJ's Wholesale used to have a business credit card while it was under Comenity, it was called My BJ's Perks® World for Business Credit Card

Seems like it is still serviced by Comenity, as the personal cards still are, but no longer available for new applications. Oddly, the two personal cards are not only still available for new applications but even have a new $40 SUB that was recently added. I've had no communication at all from Comenity or Capital One yet on my personal card and have heard nothing about the transfer other than the recent news articles where BJ's had filed suit here in Mass against Comenity's parent company for holding up the process. Hopefully CapOne will reintroduce a business product once they actually acquire the portfolio.