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Corporate Credit Cards with no PG or personal credit pull

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bigpoppa1
Contributor

Corporate Credit Cards with no PG or personal credit pull

Are there any revolving corporate credit cards (visa, mastercard, amex, discover) that do not pull personal credit or require a PG?

 

My previous boss had a C-Corporation back in 2016 which was approved for a $19k credit line with Comenity BJs Wholesale with no personal credit pulled or PG. The corporation had an 80 paydex and 92 experian intelliscore. I don't recall the equifax score.

 

Do credit cards / credit lines like that still exist?

What corporate credit scores are needed?

How many existing tradelines do they want to see?

Personal: Upgrade Triple Cash Rewards $1,000, Capital One Quicksilver $3,000, Avant $750, Credit One $450, Credit One Black $950, Destiny $300, Milestone $300, Mission Lane $400, Cerulean $1,500, Merrick Bank Black $700, Upgrade $1,000, Fingerhut $1,300.....

C-Corporation: Universal Premium Fleetcor $22,000, BP $9,000, Shell $10,000, Amazon $5,000, Lowe's $6,500, Phillips 66 $3,000
Message 1 of 5
4 REPLIES 4
TMDSCT
Regular Contributor

Re: Corporate Credit Cards with no PG or personal credit pull


@bigpoppa1 wrote:

Are there any revolving corporate credit cards (visa, mastercard, amex, discover) that do not pull personal credit or require a PG?

 

My previous boss had a C-Corporation back in 2016 which was approved for a $19k credit line with Comenity BJs Wholesale with no personal credit pulled or PG. The corporation had an 80 paydex and 92 experian intelliscore. I don't recall the equifax score.

 

Do credit cards / credit lines like that still exist?

What corporate credit scores are needed?

How many existing tradelines do they want to see?


The only major credit card with no PG that I'm aware of is Samsclub Mastercard.  When applying you will either be approved for the MC or the store card.  If you are approved for the store card, most people will use the store card for a few months and then return to the store to apply again and most of the time they are approved for the MC the 2nd time.  That was my experience with both of my LLC's and many others have posted the same experience.  So join Samsclub if you're not already and then go to the store and add your business to the membership and apply for the business card and see what happens.

Message 2 of 5
Harmony12
Frequent Contributor

Re: Corporate Credit Cards with no PG or personal credit pull

Sam's is not issuing the Business Credit Cards anymore according to store personnel. I had a family try to get one a few weeks ago.

Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO 8
7/7/18 05/24/21
EQ 557 701
TU 566 715
EX 514 711

Mortgage Scores FICO 5,4,2
7/7/18 05/24/21
EQ 494 685
TU 480 703
EX 479 693

Goal Score 720
Message 3 of 5
JoeRockhead
Community Leader
Super Contributor

Re: Corporate Credit Cards with no PG or personal credit pull

There's not many, Brex, Office Depot, Stripe, Ramp, Capitol on Tap.... Lenders like Capital on Tap, along with some others listed (and not listed) will ask for several months business bank statements to base their approval on, and many don't offer very friendly terms. In addition they'll have other requirements such as minimum time in business and/or must be incorporated (or LLC), no sole prop businesses accepted. 

Message 4 of 5
TMDSCT
Regular Contributor

Re: Corporate Credit Cards with no PG or personal credit pull



@Harmony12 wrote:

Sam's is not issuing the Business Credit Cards anymore according to store personnel. I had a family try to get one a few weeks ago.


Interesting, they still have the printable application and all the account info on their website.  Maybe your family member should try again and probably ask for a manger.

 

Message 5 of 5
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