Highest Credit Limit Intro

[unknown438]

Looking for a biz credit card issuer that will give me the highest initial credit limit with a 0% for at least 12 months and ideally does not report to my personal score?

Corporation has been in business since 2016 and is highly profitable, no other debt, personal fico is 800 and I can present docs.

Who would be the go to? Any chance I can get 100k?

[CreditCuriosity]

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@unknown438 wrote:

Looking for a biz credit card issuer that will give me the highest initial credit limit with a 0% for at least 12 months and ideally does not report to my personal score?

Corporation has been in business since 2016 and is highly profitable, no other debt, personal fico is 800 and I can present docs.

Who would be the go to? Any chance I can get 100k?

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Business credit card will not report fo personal credit  and will not impact score other than Hard pull.  Your chance of getting 100k in credit is about 0% especially at 0% for 12 months.  Banks don't enjoy losing money or loaning money for free.  BLOC or other business loan is likely your options you have available but your certainly would be paying fees on those.  It would take several cards to achieve this not just one and doubtful you could even get their with multiple cards.  Nothing is free in life usually.   

[NoMoreE46]

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@unknown438 wrote:

Looking for a biz credit card issuer that will give me the highest initial credit limit with a 0% for at least 12 months and ideally does not report to my personal score?

Corporation has been in business since 2016 and is highly profitable, no other debt, personal fico is 800 and I can present docs.

Who would be the go to? Any chance I can get 100k?

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Getting a $100,000 SL will not be a

reality.  

That said,  as a fyi, Spark from Capital One can get to 5x that

amount.

[JoeRockhead]

I'll agree that your chances of securing a $100k approval (or multiple approvals equaling that amount) are slim to none. In addition to pulling your business credit, all the major players who might offer 0% for 12 months are going to still require a PG regardless of your business revenue. If your personal credit lacks lengthy experience with several other large lines... They're just not going to start you out of the gate, cold with no relationship, with a 6 figure limit and feel warm and fuzzy about it without you first  perhaps depositing significant sums of money in their institution. Even then, you might reach a mid 5 figure SL. 

But let's say you do get the approvals, and putting aside any arguments in regards to accounting where mixing business and personal spend is concerned. This is in regards to you wanting to do an owner/self build on a house as you mentioned in your other thread. A risky endeavor as you have it planned with several things having to all fall in line for it to be successful. First you have to get the approvals for $100k, which will be difficult enough. Then, you have to rely on tasks such as permit approvals happening on time, materials, fixtures and delivery of such being available when you want/need them, and inspections going flawlessly and on schedule. Then, there's all your subs getting scheduled and actually showing up when they're supposed to. Finally, (the most unrealistic part) the house getting finished not only on time, but instead, early enough for you to also get a cash out refi done... and large enough to cover the CC balances. 

There are several lenders out there that offer self build construction loans, you should strongly consider revisiting those, or other options again.

[CreditCuriosity]

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@JoeRockhead wrote:

I'll agree that your chances of securing a $100k approval (or multiple approvals equaling that amount) are slim to none. In addition to pulling your business credit, all the major players who might offer 0% for 12 months are going to still require a PG regardless of your business revenue. If your personal credit lacks lengthy experience with several other large lines... They're just not going to start you out of the gate, cold with no relationship, with a 6 figure limit and feel warm and fuzzy about it without you first  perhaps depositing significant sums of money in their institution. Even then, you might reach a mid 5 figure SL. 

But let's say you do get the approvals, and putting aside any arguments in regards to accounting where mixing business and personal spend is concerned. This is in regards to you wanting to do an owner/self build on a house as you mentioned in your other thread. A risky endeavor as you have it planned with several things having to all fall in line for it to be successful. First you have to get the approvals for $100k, which will be difficult enough. Then, you have to rely on tasks such as permit approvals happening on time, materials, fixtures and delivery of such being available when you want/need them, and inspections going flawlessly and on schedule. Then, there's all your subs getting scheduled and actually showing up when they're supposed to. Finally, (the most unrealistic part) the house getting finished not only on time, but instead, early enough for you to also get a cash out refi done... and large enough to cover the CC balances. 

There are several lenders out there that offer self build construction loans, you should strongly consider revisiting those, or other options again.

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Forgot he wants 0% though .  

[GZG]

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@unknown438 wrote:

Looking for a biz credit card issuer that will give me the highest initial credit limit with a 0% for at least 12 months and ideally does not report to my personal score?

Corporation has been in business since 2016 and is highly profitable, no other debt, personal fico is 800 and I can present docs.

Who would be the go to? Any chance I can get 100k?

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gm biz card has 9 months of 0% apr on purchases and is known to be able to have high limits ~30-40k for the right profile, if you apply, you'll see what your limit is before you accept the approval

[Spotsy]

My friend, in reading your other threads on this similar topic...you are heading down a dark road that will end in disaster.  

1) You are leveraging yourself in a way that could cost you everything.....it's not worth it

2) the build will far exceed your 0% period, assuming you had a card that offered that and would carry 100k of debt.

3) your contractors that you use will want a check, else if they take CCs there will be a service fee of probably 3% to take a CC

4) writing a check off one CC to pay the contractor that does not take CCs and then trying your do a BT to the mythical 100k biz CC will probably incure a BT feee of 5%...IF this mythical CC accepts BTs...which most biz CCs don't.

5) once again, might be way over leveraging yourself for this house.  This could severely blow-up in your face in 12 months or less

just some advice, not trying to tell you want to do, but want to give you another perspective.  Take a step back, breathe, re-evaluate the need for this today.  If the Corp is doing so well, you can probably achieve this project with a better plan, less stress, and probably a pile of actual cash from your profitable corp. It's not a NO, but rather a 'Not Today' on this plan/project.

[JimmiS]

Chase, Wells Fargo, Truist, US Bank should all give you a 50k BLOC and a 25k credit card based on your personal credit.

[bjaminkelley88]

I have 3 business credit cards.

Capital on Tap with an inital 20K limit. Their approval is based off your businesses EIN (they do require your personal and social though) and they will request documents. Haven't received a CLI yet. 

I have a AMEX Green business card but it has a no preset spending limit on that so can speak about a hard CL there. 

My business uses Shopify and they offer a Shopify Business credit card to their customers based on your store's financial  performance. They do a SP just to verify your personal information, but no credit checks and is not based off your personal credit. They offered me 100K up front when I finally pulled the trigger, but I've had them offer me 150K prior to the latest offer. 

[JoeRockhead]

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@bjaminkelley88 wrote:

I have 3 business credit cards.

Capital on Tap with an inital 20K limit. Their approval is based off your businesses EIN (they do require your personal and social though) and they will request documents. Haven't received a CLI yet. 

I have a AMEX Green business card but it has a no preset spending limit on that so can speak about a hard CL there. 

My business uses Shopify and they offer a Shopify Business credit card to their customers based on your store's financial  performance. They do a SP just to verify your personal information, but no credit checks and is not based off your personal credit. They offered me 100K up front when I finally pulled the trigger, but I've had them offer me 150K prior to the latest offer. 

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You must have inadvertently missed where the OP is seeking business cards offering 0% for 12 months. None of the cards you mention offer this. Capital on Tap only offers a max of $50k and wants to be hooked up to your bank account (like Shopify)  but at least they offer fraud protection and will allow you to carry a balance, unlike Shopify.