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Citizens Everyday Points MC - In Review

ocheosa
Valued Contributor

Re: Citizens Everyday Points MC - In Review


@JFox418 wrote:

@GApeachy wrote:

@JFox418 wrote:

I was just approved for the person but I just added 3 inquiries in the last month. Not sure if I want to add a 4th or not. 


Perhaps those recent inquiries scared them off.  Not to mention the new FNBO personal card.


I applied for this before any of the new accounts. I have a feeling I just don't move enough money through my business. It's not the end of the world. I don't NEED a business CC just wanted something to start building credit for it. %2 would have been handy too haha


@JFox418 Well the good news is that you still have options:

Amex Blue Business Cash and maybe after 6mos from the personal card approval, apply for the FNBO Evergreen Business. Then circle back around later and maybe app for Citizens card after a year or so? Since you're already banking with them, and it's a SP, it wouldn't hurt to try again.

 

As an alternate,  Elan has a business card offering that is a 3% MCP category card, 1% everything else, that might be useful through greater nevada credit union. They also have a 2pts/$1 smart business rewards card for two top spend categories, 1% everthing else. It looks as if you can still apply as either a generic Elan card, or join the credit union after you know the results? I've kept it bookmarked as a possible future pick up (went for the Elan personal version first.)

 

HNY!

 

[6/22] Scores 8/9: 700-800s. Util: 1%. Inq/12: EQ 2, EX 5, TU 3. AAoA=5y, AoOA=35y, AoYA=2m.
TCL $478.6K: Personal $387.6K, Business $91K.
Message 21 of 25
GApeachy
Super Contributor

Re: Citizens Everyday Points MC - In Review


@ocheosa wrote:

@JFox418 wrote:

@GApeachy wrote:

@JFox418 wrote:

I was just approved for the person but I just added 3 inquiries in the last month. Not sure if I want to add a 4th or not. 


Perhaps those recent inquiries scared them off.  Not to mention the new FNBO personal card.


I applied for this before any of the new accounts. I have a feeling I just don't move enough money through my business. It's not the end of the world. I don't NEED a business CC just wanted something to start building credit for it. %2 would have been handy too haha


@JFox418 Well the good news is that you still have options:

 


100% ^^^

Sorry for the denial.

"My Take Home Pay Don't Take Me Home"
Message 22 of 25
Xatos
Frequent Contributor

Re: Citizens Everyday Points MC - In Review

@ocheosa Thanks for your help!

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 23 of 25
4sallypat
Valued Contributor

Re: Citizens Everyday Points MC - In Review

@Xatos I am a sole prop and have an EIN for business tax purposes.

My accountant made it clear that I needed the EIN in the event I needed to hire contract workers.

 

As for Citizen's, they ask for an EIN as well as SSN (SP identity).  

In my case they wanted 3 months of business bank statements and my state resale permit.

 

Very thin business CR but very thick and mature personal CR files. 

 

Ever since the Citizen's approval, it's been much easier to get business credit!

Message 24 of 25
Xatos
Frequent Contributor

Re: Citizens Everyday Points MC - In Review

Will have to get an EIN, then. Am trying to expand mine and DW's Sole Prop, and banking and CC's... some require, some do not. 

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 25 of 25
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