Soft (Personal) Pull Business Cards

[jaxstraw]

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@AzCreditGuy wrote:

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@jaxstraw wrote:

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@audioman00 wrote:

Hi All,

I'm looking for business cards that only require personal soft pulls for approval. I'm okay with PG and HP on biz credit, but would love to see a list of cards that only SP my personal reports. 

Thus far on the list:

-BB&T

-AMEX (for existing customers)

Any others to add? 

Thanks!

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I believe Citizens Bank is a soft pull on personal. 

I have applied twice over the years and have never seen a hard inquiry show up on my personal CR.

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@jaxstraw Do you have a Citizens account or CC? They pulled me twice for a Perosnal CC ($8K)  and Personal Loan (Denied) 

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I  have  no  accounts  with  Citizens  other  than  the Biz  CC  and  from my  experience  they  do  not  pull  your  personal  credit  for  that  product.

[waqaszm1]

I can confirm this. Citizens Bank does NOT pull your personal credit reports for their business credit cards.

https://www.citizensbank.com/small-business/business-credit-cards/overview.aspx

[Red1Blue]

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@waqaszm1 wrote:

I can confirm this. Citizens Bank does NOT pull your personal credit reports for their business credit cards.

https://www.citizensbank.com/small-business/business-credit-cards/overview.aspx

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What do they base for their credit decision ? Commerical Credit Reports like Experian Business or D&B ?

[WayneSki]

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@waqaszm1 wrote:

I can confirm this. Citizens Bank does NOT pull your personal credit reports for their business credit cards.

https://www.citizensbank.com/small-business/business-credit-cards/overview.aspx

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Citizens bank WILL do a soft pull on your personal credit and ask for 3 months bank statements, if you apply for a business credit card. Maybe if you have an existing banking relationship with them,they may not? IDK

[spiritcraft1]

Does anyone have this card and not reside in their 11 State footprint?

[Anonymous]

Just received mine yesterday, I'm in Michigan, no hard pull on my personal, 3 months of bank statements for the business.
20-year old S corp. 1.1m+ in revenue, 7k limit. (kinda small in my opinion, 10% of my chase Ink limit.)

[spiritcraft1]

Citizens Bank footpring of baranches / states

Branch Footprint... 

[AzCreditGuy]

I called today to apply for Citizens....Im in the AZ and it was a no go since I am not in the states they have branches. Too bad I would have applied today due to SP on Personal and easy app. I have personal Citizens CC and they have been great and gave me a $8K SL...

[GApeachy]

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@AzCreditGuy wrote:

I have personal Citizens CC and they have been great and gave me a $8K SL...

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Why or how do you have a personal cc yet they won't extend business product(s) as well?  Did you apply for personal cc while living elsewhere?  I had an auto loan through them yet nothing else will I qualify for since it's geofenced.  Too bad indeed.

[Anonymous]

Is bbt a hidden trade line? Does it report to personal?