Experience with Bank America Business Cards?

[BronzeTrader]

I have the BA business Cash Rewards and Travel Rewards offers pending. Not sure what credit reports BA pulls and if this is personal reports they pull.  I just try to stay away from personal card application, credit inquiries and applications that would count as Chase 5/24 rules.

[mattmyFIC0]

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@BronzeTrader wrote:

I have the BA business Cash Rewards and Travel Rewards offers pending. Not sure what credit reports BA pulls and if this is personal reports they pull.  I just try to stay away from personal card application, credit inquiries and applications that would count as Chase 5/24 rules.

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They typically pull TU for business apps. Their business UW people like to give you the 3rd degree as well so be prepared for that just in case. I spent 30 minutes going over tons of business details with them to get approved. 

If if you have personal cards with them you should request cli after the business apps so the inquiries get combined

[BronzeTrader]

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@mattmyFIC0 wrote:

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@BronzeTrader wrote:

I have the BA business Cash Rewards and Travel Rewards offers pending. Not sure what credit reports BA pulls and if this is personal reports they pull.  I just try to stay away from personal card application, credit inquiries and applications that would count as Chase 5/24 rules.

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They typically pull TU for business apps. Their business UW people like to give you the 3rd degree as well so be prepared for that just in case. I spent 30 minutes going over tons of business details with them to get approved. 

If if you have personal cards with them you should request cli after the business apps so the inquiries get combined

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Sounds like something not to spend so much time on.  AmEx business cards are so easy....

[mattmyFIC0]

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@BronzeTrader wrote:

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@mattmyFIC0 wrote:

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@BronzeTrader wrote:

I have the BA business Cash Rewards and Travel Rewards offers pending. Not sure what credit reports BA pulls and if this is personal reports they pull.  I just try to stay away from personal card application, credit inquiries and applications that would count as Chase 5/24 rules.

---

They typically pull TU for business apps. Their business UW people like to give you the 3rd degree as well so be prepared for that just in case. I spent 30 minutes going over tons of business details with them to get approved. 

If if you have personal cards with them you should request cli after the business apps so the inquiries get combined

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Sounds like something not to spend so much time on.  AmEx business cards are so easy....

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Yep Amex is way simpler but I wanted the Alaska air business card at the time

[Creditaddict]

My experience is with offers we didn't have to talk to anyone but previously cold applied and it was worse than Chase Business reps and questions.

Also funny we had been denied twice previously for the same business card that we then received offer for and approved a huge CL compared to anything we had come close to with escalation people on the denied apps. Never made sense but whatever got the card in the end!

[BronzeTrader]

So it seems a local branch with existing banking relationship would be the way to go.  So the local banker can apply on you behalf. Make your job much easier.

[Anonymous]

They will pull TU personal and EQ business and they will look at SBFE.

Where are you seeing the business offers pending?

[BronzeTrader]

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@Anonymous wrote:
They will pull TU personal and EQ business and they will look at SBFE.

Where are you seeing the business offers pending?

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It is in "your offers" page in personal account.  Also the offers pop up after I log out of personal banking.  Or I'm invited.....

[jc2]

Just got the Alaska Air Business in July. They pulled TU. I did spend 30+ minutes on the phone anwereing many many questons. Rep was very friendly just thorough. Approved. Love the card. Plan to get a 2nd BofA Business card.

[Anonymous]

Was this an offer when you looged onto BofA? If so, it may just be like mine. I was instrantly approved. I had the prescreen offer when I was online, so I applied, instant approval. BofA has always been easy for me.