@MB54 wrote:Hello - Super Contributor
Thank you for your feedback, I appreciate it. Based on the information that I had put out to get a good assessment of where I stand and the pathway forward based on experience of the group and you responding to my call for help. Would you recommend I these steps, see below and please add anything you feel that would be helpful.
1. Open a Chase Business Checking Account
2. Apply for the Chase Ink Business Preferred Card
3. Personal Credit Score as of 3/24/2019: Transunion 653 - Equifax 611 - Experian 602 (credit scores result of late payments & being above 30% on overall debt currently at 44% overall utilization
1. I think it's a good idea to open a Chase Business Checking Account. Just make sure to get your bonus for doing so. I think it's $300 now. https://www.doctorofcredit.com/chase-business-total-checking-300-bonus-no-direct-deposit-required/
2. After you've done so, and set up online banking, check for an offer for the Chase Ink Preferred card. If not, ask the officer at the branch if you have any in-branch preapprovals.
3. As to whether you should apply if there are no preapprovals, that's up to you. Your scores aren't that strong, but you did receive that invitation. If it were me I'd go ahead and take a fling at it. The worst thing that could happen is you'll have wasted 1 or 2 hard pulls.
