Shell is quick to report to Experian

[Anonymous]

My new Shell small business card started reporting to Experian Business less than a month after my application (the first statement cycle was very short). It also reported despite the small size of my balance--barely over $20. I figured this might be useful info for people eager to establish tradelines in a faster than usual timeframe, as well as people who don't have much reason to buy anything from a company other to encourage the tradeline to report activity.

[Anonymous]

Thank you for this info.  I just checked my business profile on Nav and we have an 'A' on D&B but a 'B' on Experian due to no trade lines reporting.    I went on an app spree about a month ago and was approved for many of the starter lines/accounts etc. but none have reported to Experian.

Applied for the Shell card today and received an online approval for a $1,000 credit limit.

[Creditaddict]

---

@Anonymous wrote:

Thank you for this info.  I just checked my business profile on Nav and we have an 'A' on D&B but a 'B' on Experian due to no trade lines reporting.    I went on an app spree about a month ago and was approved for many of the starter lines/accounts etc. but none have reported to Experian.

Applied for the Shell card today and received an online approval for a $1,000 credit limit.

---

Did you PG your Citi backed business cards? I see Officemax and sehll in your profile.

[Anonymous]

I have a couple questions:

1) Did Shell Hard Pull your personal credit?

2) Is there any incentive that Shell gives to use their business card? (Certain discount of anything?)

[Anonymous]

Citi hard pulled my Equifax for the Shell application. The card I got doesn't have an incentive, but if I recall they have two other versions designed for larger businessss, and one or both of them has some type of incentive, though I think one also has an annual fee.

[Anonymous]

Hi Creditaddict,

No, I did not PG any of my business accounts.  I have a recently (July!) discharged BK7, so I only apply for credit accounts that do not require a PG. 

To answer Matt4200's question re incentives - Shell doesn't have an annual fee or card fee.  The Texaco card has a one time $40 card fee.  Also if you apply before the end of the year, you can earn a 10 cent per gallon credit for 6 billing statements.  This was the only gas card that I applied for that has an incentive.

My primary reason for applying for this card was to have an account report to Experian.  

[Anonymous]

which of the business cards in your profile reports to Experian or D&B?  SportsMom77

[Anonymous]

---

@Anonymous wrote:

which of the business cards in your profile reports to Experian or D&B?  SportsMom77

---

Hi FullyRebuilt,

Per Nav.com, I have no accounts reporting on Experian.  For D&B, I'm guessing 2 or 3 accounts are reporting.  They're showing my highest credit amount of $750 (which has to be my Amazon account) and my total debt of $1,000 (which would be a combination of the 2 gas cards we use, 76 ($150 balance) and Exxon ($50 balance) and Quill ($50 balance).  

Based on reading these forums, I believe my accounts should report this way:

• Amazon Pay-In-Full Credit Line (Net 55) - D&B? (place multiple orders, pay in full)
• Quill Net 30 - D&B (have placed 3 orders for about $50 each, paid in full each time)
• Office Depot - D&B and Experian (never used) 
• Exxon Mobil - D&B? (used for 2 transactions of about $50 each, paid in full)
• Chevron/Texaco - D&B and Experian (I've used this card for about $40 and paid in full, didn't report to Experian, amount too small??)
• Uline - D&B and Experian (never used) 
• 76 Fleet Services - D&B? (this has been our primary gas card, use regularly and pay in full)
• Shell Small Business - Experian (haven't received cards yet)
• JC Penny - Does not report to D&B or Experian (never used)

As I've received most of these accounts within the last 2 months or so, I don't know if they're not reporting because they're too new or if an account isn't reporting because I haven't used it.  

Hopefully, this helps!

[Anonymous]

SportsMom77, did you happen to get your ExxonMobil card in the past 3 months? I've read that Citi-backed business cards don't allow multiple applications in a 90-day period, but I get the impression you may have been able to do ExxonMobil + Shell in a shorter timeframe... ?

[Anonymous]

---

@Anonymous wrote:

SportsMom77, did you happen to get your ExxonMobil card in the past 3 months? I've read that Citi-backed business cards don't allow multiple applications in a 90-day period, but I get the impression you may have been able to do ExxonMobil + Shell in a shorter timeframe... ?

---

Hi Halstend,

I checked my email and I applied for the ExxonMobil card on June 6, 2017 and I applied for the Shell card on July 27th.  So I applied and was approved for both cards in about a 6-week time frame.