topic Re: Comprehensive list of soft pull business cards? in Business Credit

Comprehensive list of soft pull business cards?

KnowledgeSeekr — Sat, 09 Jul 2022 04:06:58 GMT

Starting to compile a list and wanted to know if there is a more comprehensive list available?

5 Soft Pull Business Cards, easy approvals:

Re: Comprehensive list of soft pull business cards?

babygirl1256 — Sat, 09 Jul 2022 05:18:56 GMT

@KnowledgeSeekr Thanks for posting . . . So Citizen's Bank doesn't run a hard pull on the business owner's personal credit? That's awesome, if true . . . I will have to look into that one!

Re: Comprehensive list of soft pull business cards?

BearsCubsOtters — Sat, 09 Jul 2022 22:12:41 GMT

@KnowledgeSeekr wrote:
Starting to compile a list and wanted to know if there is a more comprehensive list available?
5 Soft Pull Business Cards, easy approvals:
https://www.capitalontap.com/us/
https://apply.divvy.co/auth
https://ramp.com/
https://www.getkleercard.com/products#Business-Credit
https://www.citizensbank.com/small-business/business-credit-cards/overview.aspx

6. https://www.marcus.com/us/en/credit-cards/gm-cards/gm-business-card?partner=gm&pid=7274&prd=cc&chl=wb&schl=mcs&cid=hp_navmenu

The GM Business card from Goldman Sachs/Marcus is a soft inquiry

Re: Comprehensive list of soft pull business cards?

BearsCubsOtters — Sat, 09 Jul 2022 22:19:41 GMT

@babygirl1256 wrote:
@KnowledgeSeekr Thanks for posting . . . So Citizen's Bank doesn't run a hard pull on the business owner's personal credit? That's awesome, if true . . . I will have to look into that one!

I can confirm it was a SP on EQ.

Re: Comprehensive list of soft pull business cards?

cashorcharge — Sun, 10 Jul 2022 18:32:51 GMT

It's worth noting that some of the options you've stated are specific to the type of business formation applying. A few of those on your list are not eligible for Sole Prop businesses...only C-Corp or S-Corp

Re: Comprehensive list of soft pull business cards?

Citylights18 — Sun, 10 Jul 2022 21:57:58 GMT

@cashorcharge wrote:
It's worth noting that some of the options you've stated are specific to the type of business formation applying. A few of those on your list are not eligible for Sole Prop businesses...only C-Corp or S-Corp

Divvy, Brex and Ramp are all like that but I'm not sure of Keeler card. Keeler card seems to be open to different business forms but it doesn't offer rewards as part of its product.

Re: Comprehensive list of soft pull business cards?

AzCreditGuy — Wed, 16 Nov 2022 19:04:04 GMT

Has this list been udated and I know for sure Cap1 reports to personal. I am looking for more credit for my business. I keep getting rejected for a BLOC or get poor APRs and low limits

Re: Comprehensive list of soft pull business cards?

sccredit — Thu, 17 Nov 2022 17:27:32 GMT

This list is for HP vs SP, has nothing to do with reporting.

Re: Comprehensive list of soft pull business cards?

FinStar — Thu, 17 Nov 2022 22:27:03 GMT

@AzCreditGuy wrote:
Has this list been udated and I know for sure Cap1 reports to personal. I am looking for more credit for my business. I keep getting rejected for a BLOC or get poor APRs and low limits

The OP referenced Capital On Tap, not Capital One. Please review the URL links from the op.

Re: Comprehensive list of soft pull business cards?

BronzeTrader — Fri, 18 Nov 2022 21:06:55 GMT

@AzCreditGuy wrote:
Has this list been udated and I know for sure Cap1 reports to personal. I am looking for more credit for my business. I keep getting rejected for a BLOC or get poor APRs and low limits

Yes, other than HP vs SP. Be aware of those business cards report on personal credit report. There are few of them. But Cap1 is one of them. We need a list of those CC banks. So we can avoid them. Unless they are super good cards.

I run a big credit line on the business side. Some get 80% or so utilization. Plus the charge cards. That could really impact personal credit file.

Re: Comprehensive list of soft pull business cards?

Janneman — Sun, 08 Jan 2023 05:18:04 GMT

@cashorcharge wrote:
It's worth noting that some of the options you've stated are specific to the type of business formation applying. A few of those on your list are not eligible for Sole Prop businesses...only C-Corp or S-Corp

Do you think Citizens bank's card doesn't fall for Sole Prop Businesses??

Re: Comprehensive list of soft pull business cards?

FinStar — Mon, 09 Jan 2023 01:20:40 GMT

@Janneman wrote:
@cashorcharge wrote:
It's worth noting that some of the options you've stated are specific to the type of business formation applying. A few of those on your list are not eligible for Sole Prop businesses...only C-Corp or S-Corp
Do you think Citizens bank's card doesn't fall for Sole Prop Businesses??

Citizens Bank accepts Sole Prop entities as far as applications go for their biz CCs and BLOC.

Re: Comprehensive list of soft pull business cards?

cashorcharge — Mon, 09 Jan 2023 20:48:20 GMT

@Janneman wrote:
@cashorcharge wrote:
It's worth noting that some of the options you've stated are specific to the type of business formation applying. A few of those on your list are not eligible for Sole Prop businesses...only C-Corp or S-Corp
Do you think Citizens bank's card doesn't fall for Sole Prop Businesses??

Citizens Bank DOES fall under Sole Prop..."other" options listed do not

Re: Comprehensive list of soft pull business cards?

Citylights18 — Sun, 22 Jan 2023 03:15:45 GMT

@FinStar wrote:
@Janneman wrote:
@cashorcharge wrote:
It's worth noting that some of the options you've stated are specific to the type of business formation applying. A few of those on your list are not eligible for Sole Prop businesses...only C-Corp or S-Corp
Do you think Citizens bank's card doesn't fall for Sole Prop Businesses??
Citizens Bank accepts Sole Prop entities as far as applications go for their biz CCs and BLOC.

Yes but they don't allow real estate businesses as an allowable business type for their products.

I know as I failed that one.

Re: Comprehensive list of soft pull business cards?

FinStar — Mon, 23 Jan 2023 22:37:03 GMT

@Citylights18 wrote:
@FinStar wrote:
@Janneman wrote:
@cashorcharge wrote:
It's worth noting that some of the options you've stated are specific to the type of business formation applying. A few of those on your list are not eligible for Sole Prop businesses...only C-Corp or S-Corp
Do you think Citizens bank's card doesn't fall for Sole Prop Businesses??
Citizens Bank accepts Sole Prop entities as far as applications go for their biz CCs and BLOC.
Yes but they don't allow real estate businesses as an allowable business type for their products.

I know as I failed that one.

There's a variety of business types or classifications that they simply do not lend to whether as Sole Prop or other business structures which also includes some geo-restrictions.

Re: Comprehensive list of soft pull business cards?

Willy_Ong — Sun, 05 Feb 2023 02:48:15 GMT

Does Citizen business credit card reports activity to personal?

Re: Comprehensive list of soft pull business cards?

mau471 — Mon, 06 Feb 2023 15:31:53 GMT

@Willy_Ong wrote:
Does Citizen business credit card reports activity to personal?

No, I have had this card ~7 months now and they have not reported anything to personal, but have updated on my exp business report.

Re: Comprehensive list of soft pull business cards?

AzCreditGuy — Wed, 08 Feb 2023 14:47:53 GMT

I tried most of the list and got denied lol....I guess I will try again in 6 months

Re: Comprehensive list of soft pull business cards?

Mdowning30 — Fri, 17 Feb 2023 18:35:26 GMT

Im not eligible to get a FNBO card so i might just have to try Citizens Bank.

Re: Comprehensive list of soft pull business cards?

Drifter73 — Sat, 18 Feb 2023 00:50:55 GMT

@Mdowning30 wrote:
Im not eligible to get a FNBO card so i might just have to try Citizens Bank.

I found this odd myself. I have the FNBO personal Evergreen. But get the "out of coverage area" message for FNBO business Evergreen prequalifying.

No biggie, just odd.