Any Soft Pull Business Credit Cards

TheCreditMinder · ‎02-10-2022

Hi there,

I was recently in the market for a new business credit card but I don't want to have a Hard Pull on my Personal Credit Report. Does anyone happen to know any good ones?

Thanks!

M_Smart007 · ‎02-10-2022

@TheCreditMinder wrote:
Hi there,

I was recently in the market for a new business credit card but I don't want to have a Hard Pull on my Personal Credit Report. Does anyone happen to know any good ones?

Thanks!

Citizens Bank Business ...Soft pull on Equifax personal. (No HP to be Approved)

TheCreditMinder · ‎02-10-2022

Hi there!

Thank you for responding. I was looking at their business credit cards and just to be sure even the

Business Platinum Mastercard®

and the

Everyday Points® Business Mastercard®

are all soft pulls on a person credit report.

EAJuggalo · ‎02-10-2022

AMEX is almost always a soft pull on personal reports if already an AMEX customer. I got a BBP last month with only a SP.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000

M_Smart007 · ‎02-10-2022

@TheCreditMinder wrote:
Hi there!

Thank you for responding. I was looking at their business credit cards and just to be sure even the
Business Platinum Mastercard®
and the
Everyday Points® Business Mastercard®
are all soft pulls on a person credit report.

I was Approved for the Everyday Points Business Mastercard with a soft pull to my personal Equifax.

I am 99.9% sure the platinum is also. I will add a link to the approval of the Platinum I seen in the business credit thread.

@TheCreditMinder, You can read "HERE"

And also "HERE"

M_Smart007 · ‎02-10-2022

@EAJuggalo wrote:
AMEX is almost always a soft pull on personal reports if already an AMEX customer. I got a BBP last month with only a SP.

An Amex Soft Pull is not 100% guaranteed. DP's can prove that.

As posted by @coldfusion .

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Max-number-of-credit-applications-in-one-w...

K-in-Boston · ‎02-10-2022

Not guaranteed, but in most cases they are for Amex. All 4 of my business Amex cards were SP and my last HP from them was 20 years ago. In most of the exceptions, it seems to be for marginal approvals or multiple applications in a short period of time. But definitely if one is trying to avoid pulls, Amex is not a guarantee.

EAJuggalo · ‎02-12-2022

@M_Smart007 wrote:
@EAJuggalo wrote:
AMEX is almost always a soft pull on personal reports if already an AMEX customer. I got a BBP last month with only a SP.
An Amex Soft Pull is not 100% guaranteed. DP's can prove that.
As posted by @coldfusion .
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Max-number-of-credit-applications-in-one-w...

Hence my comment of "almost always a soft pull." I'm very aware of the seemingly very small number of people that have had HP for AMEX cards after already being a customer.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000

joshk4u · ‎03-29-2022

Was yours an instant approval with Citizens ? I had a under review response. Is that an auto denial? Thanks

WayneSki · ‎03-29-2022

@joshk4u wrote:
Was yours an instant approval with Citizens ? I had a under review response. Is that an auto denial? Thanks

Citizens still do manual underwriting, so approvals aren't instant.