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I called and got approved for Quill - Net 30 account. I have to make small purchases for 3 months before they approve the Net 30 account. They suggested I can call them back in 2 months and ask for CLI. Looks like slowly my Business Credit is improving on Business Reports. Hoping to get Amex Biz and US Bank Biz cards in August 2021.
Congrats for you and your biz! It's surprising how quickly a couple of tl's can jump your scores up. Once that happens you'll start receiving bigger and better offers so protect your hp's. Do you pull biz reports? I like Exp. Biz cause you can see the affects of pif'ing vs. not pif'ing. Plus it really helps to know when it's prime time to app.
Between the two banks you mentioned you desire to pickup, Amex and USB, I have found Amex to be very generous.
I like US Bank too because they do offer a low apr card. Nice to have that as an option for something unexpected.
Not sure if this has come to fruition, but rumor has it that the Cap1 Spark 2% cb card will no longer report to personal credit. (3 hp's still)
Good Luck on your endeavors!
@GApeachy wrote:Congrats for you and your biz! It's surprising how quickly a couple of tl's can jump your scores up. Once that happens you'll start receiving bigger and better offers so protect your hp's. Do you pull biz reports? I like Exp. Biz cause you can see the affects of pif'ing vs. not pif'ing. Plus it really helps to know when it's prime time to app.
Between the two banks you mentioned you desire to pickup, Amex and USB, I have found Amex to be very generous.
I like US Bank too because they do offer a low apr card. Nice to have that as an option for something unexpected.
Not sure if this has come to fruition, but rumor has it that the Cap1 Spark 2% cb card will no longer report to personal credit. (3 hp's still)
Good Luck on your endeavors!
Thanks @GApeachy. I have very little ambitions for Business Credit Building. I am letting the time take its course and improve both my personal and business credit. I froze all 3 personal reports until August 2021 and possibly for longer than August 2021. It will probably take another 2 more years before I can see a significant gains in my personal scores before then.
Right now, I have 2 Personal Secured cards, Biz Account, Savings, Retirement accounts with US Bank. I am hoping that might relationship might translate into an approval for US Bank Business Card in the future. With Amex I have Optima Rebuild card now and I have to wait 1 year before I can apply for regular Amex Card. Optima will turn 1 year in July 2021 and I am hoping to apply for a Biz Card in August 2021.
I have no other dreams or ambitions at this time. Just let the time take its course and keep making the payments on time and let the reports age.
Congratulations!
@Red1Blue wrote:
@GApeachy wrote:Congrats for you and your biz! It's surprising how quickly a couple of tl's can jump your scores up. Once that happens you'll start receiving bigger and better offers so protect your hp's. Do you pull biz reports? I like Exp. Biz cause you can see the affects of pif'ing vs. not pif'ing. Plus it really helps to know when it's prime time to app.
Between the two banks you mentioned you desire to pickup, Amex and USB, I have found Amex to be very generous.
I like US Bank too because they do offer a low apr card. Nice to have that as an option for something unexpected.
Not sure if this has come to fruition, but rumor has it that the Cap1 Spark 2% cb card will no longer report to personal credit. (3 hp's still)
Good Luck on your endeavors!
Thanks @GApeachy. I have very little ambitions for Business Credit Building. I am letting the time take its course and improve both my personal and business credit. I froze all 3 personal reports until August 2021 and possibly for longer than August 2021. It will probably take another 2 more years before I can see a significant gains in my personal scores before then.
Right now, I have 2 Personal Secured cards, Biz Account, Savings, Retirement accounts with US Bank. I am hoping that might relationship might translate into an approval for US Bank Business Card in the future. With Amex I have Optima Rebuild card now and I have to wait 1 year before I can apply for regular Amex Card. Optima will turn 1 year in July 2021 and I am hoping to apply for a Biz Card in August 2021.
I have no other dreams or ambitions at this time. Just let the time take its course and keep making the payments on time and let the reports age.
Very cool, off to a great start. Since you have USB relations just thought I'd had something else. They will be backing State Farm Ins. products come Jan 2021....just in case you're a customer that could prove to be beneficial in the future for biz and personal ccc's as well.
Congrats on the approval!!! Continued success, both on personal and biz side.
@Red1Blue wrote:I called and got approved for Quill - Net 30 account. I have to make small purchases for 3 months before they approve the Net 30 account. They suggested I can call them back in 2 months and ask for CLI. Looks like slowly my Business Credit is improving on Business Reports. Hoping to get Amex Biz and US Bank Biz cards in August 2021.
Awesome! I am always amazed at how fast business credit can be built with the right moves.
@GApeachy wrote:
@Red1Blue wrote:
@GApeachy wrote:Congrats for you and your biz! It's surprising how quickly a couple of tl's can jump your scores up. Once that happens you'll start receiving bigger and better offers so protect your hp's. Do you pull biz reports? I like Exp. Biz cause you can see the affects of pif'ing vs. not pif'ing. Plus it really helps to know when it's prime time to app.
Between the two banks you mentioned you desire to pickup, Amex and USB, I have found Amex to be very generous.
I like US Bank too because they do offer a low apr card. Nice to have that as an option for something unexpected.
Not sure if this has come to fruition, but rumor has it that the Cap1 Spark 2% cb card will no longer report to personal credit. (3 hp's still)
Good Luck on your endeavors!
Thanks @GApeachy. I have very little ambitions for Business Credit Building. I am letting the time take its course and improve both my personal and business credit. I froze all 3 personal reports until August 2021 and possibly for longer than August 2021. It will probably take another 2 more years before I can see a significant gains in my personal scores before then.
Right now, I have 2 Personal Secured cards, Biz Account, Savings, Retirement accounts with US Bank. I am hoping that might relationship might translate into an approval for US Bank Business Card in the future. With Amex I have Optima Rebuild card now and I have to wait 1 year before I can apply for regular Amex Card. Optima will turn 1 year in July 2021 and I am hoping to apply for a Biz Card in August 2021.
I have no other dreams or ambitions at this time. Just let the time take its course and keep making the payments on time and let the reports age.
Very cool, off to a great start. Since you have USB relations just thought I'd had something else. They will be backing State Farm Ins. products come Jan 2021....just in case you're a customer that could prove to be beneficial in the future for biz and personal ccc's as well.
The only thing that is not known at this time is whether the SFB biz products will be left as separate (or possibly integrated into the USB platform) given that today any SFB CC products report to personal unlike USB biz CCs.
@FinStar wrote:
@GApeachy wrote:
@Red1Blue wrote:
@GApeachy wrote:Congrats for you and your biz! It's surprising how quickly a couple of tl's can jump your scores up. Once that happens you'll start receiving bigger and better offers so protect your hp's. Do you pull biz reports? I like Exp. Biz cause you can see the affects of pif'ing vs. not pif'ing. Plus it really helps to know when it's prime time to app.
Between the two banks you mentioned you desire to pickup, Amex and USB, I have found Amex to be very generous.
I like US Bank too because they do offer a low apr card. Nice to have that as an option for something unexpected.
Not sure if this has come to fruition, but rumor has it that the Cap1 Spark 2% cb card will no longer report to personal credit. (3 hp's still)
Good Luck on your endeavors!
Thanks @GApeachy. I have very little ambitions for Business Credit Building. I am letting the time take its course and improve both my personal and business credit. I froze all 3 personal reports until August 2021 and possibly for longer than August 2021. It will probably take another 2 more years before I can see a significant gains in my personal scores before then.
Right now, I have 2 Personal Secured cards, Biz Account, Savings, Retirement accounts with US Bank. I am hoping that might relationship might translate into an approval for US Bank Business Card in the future. With Amex I have Optima Rebuild card now and I have to wait 1 year before I can apply for regular Amex Card. Optima will turn 1 year in July 2021 and I am hoping to apply for a Biz Card in August 2021.
I have no other dreams or ambitions at this time. Just let the time take its course and keep making the payments on time and let the reports age.
Very cool, off to a great start. Since you have USB relations just thought I'd had something else. They will be backing State Farm Ins. products come Jan 2021....just in case you're a customer that could prove to be beneficial in the future for biz and personal ccc's as well.
The only thing that is not known at this time is whether the SFB biz products will be left as separate (or possibly integrated into the USB platform) given that today any SFB CC products report to personal unlike USB biz CCs.
That's a little disappointing. I didn't know sf biz products reported to personal or I wouldn't have even been waiting on this....dang! Thanks for the heads up @FinStar . Maybe USB will turn this around.