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Just wanted to lump these two questions together. Anybody know if applying for Citi Business or Discover Business will HP from personal credit? Also will a Discover Business take up 1 card slot of the 2 max for discover? I plan on getting 2nd personal card for discover because my 1st card is bucketed (3X SL) and doesn't seem to like increase with my income anymore.
Been into business credit like crazy and really intrigued by "No PG" cards. I'm trying to bypass net 30 accounts myself and do the minumum, even if it means openning credit unions or low SL trade lines.
They both HP personal
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Citi doesn't report to personal
Discover does report to personal, it will take a slot
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They are both PG ya know? 99% of small biz cards are. Only "popular" one I know that isn't is the Sam's Club specially-requested no PG MC, E: ---
All those hidden ones from personal will also report if you're delinquent.
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If you're under 5/24 just stay under it and go for things like Citi/Barclays/Chase/Amex Biz cards
@Anonymous wrote:They both HP personal
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Citi doesn't report to personal
Discover does report to personal, it will take a slot
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They are both PG ya know? 99% of small biz cards are. Only "popular" ones I know that aren't are the Sam's Club specially-requested no PG MC, and Citizen's Bank.
All those hidden ones from personal will also report if you're delinquent.
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If you're under 5/24 just stay under it and go for things like Citi/Barclays/Chase/Amex Biz cards
Citizens Bank isn't a NO PG business credit card,it's a SOFT PULL. I have a business credit card with them. To the first post, you're going to need a decent personal credit profile,the NO PG phenomenon won't take your business very far.
Yea thanks for the info guys. Yea I know. I just hate how it takes a HP from personal, when I can get a high limit Amex or CSR/CSP with 10-15K SL, why setting for a measly 3K Chase biz right? well that's why I'm looking for No PG cards and the only reason. Otherwise I wouldn't bother. Also trying to get my business score up so i can one day get a LOC or some loan that's it, I know it's probably easier if I just do it with personal loan. I will look into Citi/Barclays and Citizen's bank.