Business credit offer

[shane1978]

Received a couple business credit card offers from different companies, but, I don't have a business...do I ignore these offers or can I still apply?

[Djenius]

What offers did you receive? You can always apply as a sole prop. 

[citymunky]

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@shane1978 wrote:

Received a couple business credit card offers from different companies, but, I don't have a business...do I ignore these offers or can I still apply?

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It depends, some business CCs require a EIN and formation documents. However AMEX and Chase don't if you sign up as a Sole Proprietor.

[pizzadude]

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@shane1978 wrote:

Received a couple business credit card offers from different companies, but, I don't have a business...do I ignore these offers or can I still apply?

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To answer the real question here, I wouldn't start up a business just because you received pre-approvals for biz cards. 

If you are starting up a business or already have one then go for it.

Many biz cards will pull your personal credit and you'll be PG'ing the account also.

[SouthJamaica]

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@shane1978 wrote:

Received a couple business credit card offers from different companies, but, I don't have a business...do I ignore these offers or can I still apply?

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You shouldn't apply unless you have some kind of business.

[Noneed2nv]

I echo everyone's sentiment of not applying without owning a business.  With that said, take this time to really think about starting one.  There are numerous benefits to being a business owner.  So brainstorm and see if there's a "side hustle" out there that you can monetize.   Good luck.