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Approved for Citizens Bank Everyday MC $15k

bizcredit11
Frequent Contributor

Re: Approved for Citizens Bank Everyday MC $15k

@Xatos I think you should focus more on your stats...personal and business. Get your limits up higher.

 

Are You looking and building your personal and business scores and decreasing your utilization primarily personal? You have plenty of personal accounts.

 

7k is not a bad start for your Citizens biz cc.

Message 11 of 18
socalchef00
Contributor

Re: Approved for Citizens Bank Everyday MC $15k

Has anyone ever applied for the CC / BLOC for their business that is a sole prop? Since Sole Props can have an EIN number, do they only still do a SP on the personal side and HP on the business EIN?


TransUnion FicoScore 8 : 800 | EquiFax FicoScore 9 : 813 | Experian FicoScore 8 : 760
Total Credit Limit Of : $374,650 | Avg Cr Age : 6 Yrs., Oldest card : 18 years, Youngest card : 2 Month
Message 12 of 18
bizcredit11
Frequent Contributor

Re: Approved for Citizens Bank Everyday MC $15k

@socalchef00 Lets see who chimes in. I would certainly think so.

 

SP's on personal seem to be what Citizens normally do even for the BLOC. 3 months of bank statements too.

Message 13 of 18
cashorcharge
Community Leader
Senior Contributor

Re: Approved for Citizens Bank Everyday MC $15k


@bizcredit11 wrote:

@socalchef00 Lets see who chimes in. I would certainly think so.

 

SP's on personal seem to be what Citizens normally do even for the BLOC. 3 months of bank statements too.


Agreed @bizcredit11 

Several member DPs point to a personal EQ SP but the EX Business HP is a bit more of a mystery

Message 14 of 18
bizcredit11
Frequent Contributor

Re: Approved for Citizens Bank Everyday MC $15k

@cashorcharge Anyone bank or person can pull your business credit if they want.

 

Is building an Experian business report really that difficult? The inquiry does not hurt/harm you like personal. Pull my Experian biz. Plz!

Message 15 of 18
cashorcharge
Community Leader
Senior Contributor

Re: Approved for Citizens Bank Everyday MC $15k


@bizcredit11 wrote:

@cashorcharge Anyone bank or person can pull your business credit if they want.

 

Is building an Experian business report really that difficult? The inquiry does not hurt/harm you like personal. Pull my Experian biz. Plz!


I hear ya @bizcredit11 ....since I know and/or get notified when a personal HP happens....alerts everywhere...it's not the same for business so I was relaying that I wasn't sure if Citizens DID a EX biz pull.  

Message 16 of 18
Xatos
Frequent Contributor

Re: Approved for Citizens Bank Everyday MC $15k

@bizcredit11 Yeah I'm just now really getting into biz credit. I should probably have let my scores recover a bit more, but hey SP Biz credit 🤷‍♂️🤑 Next on the list is an FNBO Biz Evergreen once my UTI drops some more. Working towards 5/24..

Kohl's $3K | Cap1 QS $2.5K | Citi DC $2.9K | Amex BCE $1K | Dick's ScoreRewards MC 1K | Amex ED $4.2K | Amex Schwab Platinum NPSL | Amex Schwab Investor 3K | Rakuten 5K | WF CashWise VS $16.3K | Discover IT $11.3K | Disco IT Miles (#2) 9K | Citizen's Bank Cashback Plus WMC $10.7K | Fidelity VS $13K | USBank Cash+ VS $13K | Cap1 QS #2 16K | BBT Spectrum Cash Rewards VS 7.5K | BBT Cash Rewards #2 4.5K | BBT Bright 5K | Santander Ultimate MC 7.5K | PNC Points #1 7.5K | PNC Points #2 7.5K | PNC Cash Rewards #1 7.5K | PNC Cash Rewards #2 15.5K | BECU Cashback 23.4K | BECU Low Rate 10.5K | FNBO Evergreen 15K | EX 727 | TU 761 | EQ 730
Business Credit ~ Amex BBP 4.8K | Amex BBC 15K | US Bank Biz Cash 3K | Citizen's ED Points 7K ~LOC's~ BECU 15K |
Message 17 of 18
manbuckets
Regular Contributor

Re: Approved for Citizens Bank Everyday MC $15k

Congrats on your approval!

Current Cards/Loans:
Future Cards:
Message 18 of 18
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