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When Should I Apply for a SPG Business Amex (just got BCE/Platinum personal)

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Sagnew
Established Member

When Should I Apply for a SPG Business Amex (just got BCE/Platinum personal)

Hello - 

Last month applied and received a platinum amex charge card and BCE for my personal needs.

I own a small business i would like to now apply for the SPG Business card and use that rather than my current business debit card. 

 

Few questions : 

From my understanding I'll get another hard-pull on my personal credit report.  Bad idea being I just was hard-pulled last month (30 days ago)?

My business does not have any real credit or credit history. Any problems there? (very good personal FICO score at the moment) 

Will I still be eligible for the 25,000 in bonus points on the SPG, since I have already taken advantage of the 40k bonus points via the personal platinum card?

 

Thanks!

 

 

 

 

 

 

 

 

Message 1 of 8
7 REPLIES 7
myjourney
Super Contributor

Re: When Should I Apply for a SPG Business Amex (just got BCE/Platinum personal)

What type of business you do have Corp. LLC. etc etc?

Do you have an EIN#?

Since you have an Amex already it will be a SP if denied and HP if approved but they will check if you have a legal business so the answers to above questions will help.

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 8
Sagnew
Established Member

Re: When Should I Apply for a SPG Business Amex (just got BCE/Platinum personal)

LLC (but single owner so for my taxes it's all under my name) 

I do have an EIN 

Message 3 of 8
myjourney
Super Contributor

Re: When Should I Apply for a SPG Business Amex (just got BCE/Platinum personal)


@Sagnew wrote:

LLC (but single owner so for my taxes it's all under my name) 

I do have an EIN 


Good to go it can't hurt since you're already a Amex cardholder SP if denied HP if approved 

I would call to make sure the bonus applies but it should 

Good luck 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 8
Sagnew
Established Member

Re: When Should I Apply for a SPG Business Amex (just got BCE/Platinum personal)

Applied this evening and was approved for the SPG !

Thanks for the help !!

Message 5 of 8
sccredit
Valued Contributor

Re: When Should I Apply for a SPG Business Amex (just got BCE/Platinum personal)

Congrats

Message 6 of 8
myjourney
Super Contributor

Re: When Should I Apply for a SPG Business Amex (just got BCE/Platinum personal)


@Sagnew wrote:

Applied this evening and was approved for the SPG !

Thanks for the help !!


Congrats WTG 

Did you get your bonus? I'm sure you didSmiley Happy

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 8
Sagnew
Established Member

Re: When Should I Apply for a SPG Business Amex (just got BCE/Platinum personal)

CSR said as long as I did not have the same business card for 12 months I should be good

Message 8 of 8
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