Chase business credit card reddit. Personal Spending on Chase Ink Business Credit Cards .

Chase business credit card reddit We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage As I understand, Inks dont count towards 5/24 since theyre business cards and Chase doesnt report business cards to personal credit reports. My personal credit is around 690 fico score, and business have a B Experian score according to NAV, no pay Paydex score yet but I just started using Net 30 from Uline. Otherwise, you cannot. Be straightforward about the details, of course. Why won’t they talk to me? Get the Reddit app Scan this QR code to download the app now Personal Spending on Chase Ink Business Credit Cards . But realize it would make accounting easier if I got a business card. Southwest Performance Business Card benefits. The company currently have 2 biz cards for the company and employees for him as the personal guarantee Once the 24-month period has elapsed, you can apply for additional Chase credit cards. Or check it out in the app stores     TOPICS Everything that codes 5% on Chase Ink Business Cash A subreddit for discussing credit cards. See examples of Citizens Bank, Amex, and Chase cards that Compare four Chase Ink Business cards that offer cash back or Ultimate Rewards points for different business expenses. Or check it out in the app stores The day you pay off your credit card chase updates the credit agencies saying that your balance is zero. But again this will depend on if you have other Chase cards and the limits already on those This is the story I got with the same email. Just added 2 months in to play it safe. Overall, for personal credit cards, I am 3/24. How much I spend fluctuates from month to month. It has 5X categories, a high spending limit, and you can get multiple Ink Cash cards through multiple businesses. I have tried multiple ways. Reselling can be anything from a casual hobby to a full-time work - only you know whether it's a business to you. The community for Old School RuneScape discussion on Reddit. Then I remembered that business cards don't show up on your personal credit and would allow for me to continue gardening for the VX while still working on a SUB. And you can more than double the value of your rewards if you transfer How much revenue is needed for Chase business card? A subreddit for discussing credit cards. Or check it out in the app stores Chase Business Credit Card . Members Online Will your current bank give you a corporate card? You can apply for business credit cards for your company and personally guarantee them. Chase launching new In Branch offers starting 4/28 – Chase Sapphire Preferred 85k Offer / Chase Sapphire Reserve 75k Offer Congrats on the approval for the card! I just applied today for a Chase Business Ink Unlimited. So a 60+ day waiting period isn't always a guarantee. Can I call Chase and move some of my credit limit on my personal cards (CFF, CF, CFU, or CSP) to my new business card to help facilitate this business purchase? I recently (September 9th and September 22nd) got my first two Chase cards, and my first new credit cards since my student card back in 2011. Here's what you need to know before adding it to your card portfolio. Partner with a global leader who puts your financial needs first. Currently, chase doesn’t give me that with In April, Chase's underwriting guidelines changed. It’s 5x on every purchase I make on Amazon. In credit card processing, there are several players in the mix. They have questionable business Business accounts, whether that be banking, credit cards, loans, etc. A month ago I was approved for an Ink Business Unlimited Credit Card for a business that is almost a year old. Personal Income 200k. Compare the best Chase business credit cards for cash back, travel rewards, airline miles, hotel perks and more. P2 is co-partner of the business with 50/50 split of the shares. However, there are a few limitations to consider when applying for another card. theverge As Chase business cards gets harder to approve, I'd like to get as many data points as possible on what triggers denials/approvals for those who applied after April 18, 2020 so that we can all help out the credit card community and those who want to benefit from these cards: Chase online; credit cards, mortgages, commercial banking, auto loans, investing & retirement planning, Choose from business checking, small business loans, business credit cards, merchant services or visit our business resource center. I have the Ink Unlimited and received a hard pull for that application (I knew it would hp from researching). The Chase ecosystem works for a lot of people, especially people who also bank with Chase, but it's not for everyone. I know, from my experience, that Amex soft pulls biz cards if you already have a personal. I want to get the Chase Business Ink Unlimited, but wondering how soon is too soon to apply? My credit score is 810. I think at this point most churners are opening up business credit cards and only getting the occasional personal card so they can stay under 5/24. Hello guys, Please help me decide if this is a good idea or if I should wait. On Amazon's credit cards page, there's 3 cards that offer 5% cashback (all requiring Prime for 5%, otherwise 3%): Amazon Prime Rewards Visa Signature Card by Chase. Amazon Business Prime by American Express Hey all, when applying for a Chase Business card, they ask for the business's EIN but also for your SSN in the personal section. 5 Total Accounts 3 CC (Since Amex not showing yet) 1 Auto Loan Acc currently @$7595. Or check it out in the app stores     A subreddit for discussing credit cards. My credit score is 750+ on everything, was 800ish before opening new cards and increasing utilization (taking A subreddit for discussing credit cards. You might be able to get one if you are a Chase Private Client with significant deposits/investments at Chase, but your odds of success are low. (Personal credit is 820) Issue is the card limit is $6000 but the purchase price of the item i want is $6600. com). View community ranking In the Top 5% of largest communities on Reddit. The bar is set low for Chase business cards. Very true, especially with Chase. $6k, with major costs include CRM, web hosting, some client travel, etc. Business credit card - chicken and egg situation? r/ATT stands with the Reddit community in protest of the API changes. Or check it out in the app stores The business has 1 year worth of tax records but never taken credit cards out in the business name. I just run a small business with low expenses (>$25k/yr would be on the card). 63 @ 3. github. Through my research online on applying for a business account I realize it is very hit or miss whether your business will be accepted. 5% rebate but we have a high credit limit on this card, so we use it for that reason. upvotes If your personal and business accounts are linked under the same login, you can just go to the UR portal and combine points to transfer to the Sapphire Preferred. I have 3 credit cards with me now. Thoughts on: Chase Ink Wells Fargo Signify Amex Blue Any others to recommend? Get the Reddit app Scan this QR code to download the app now Personal Spending on Chase Ink Business Credit Cards . Our goal is to help Redditors get answers to questions Get the Reddit app Scan this QR code to download the app now. If your personal and business logins are separated, you can add your Sapphire Preferred to So you can use business cards on personal expenses and the IRS won’t care, because they don’t see “business cards”, they just see credit cards. Chase business credit cards won't show up in personal report (unless you default the card), so it won't affect your 5/24 status. If your personal and business logins are separated, you can add your Sapphire Preferred to 90,000 URP - Chase Ink Business Cash® Credit Card - Acceptance based on Circumstance Question As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. My current cards 5% cash back on A subreddit for discussing credit cards. After filling out the information on the application and hitting submit, it tells me that "IN REVIEW: We'll let you know our decision in writing as soon as we can, and if you're approved, you'll receive your card in 7 to 10 business days. It only offers a 1. I’m sure it’s denied, but I want to talk to a person about actually reconsidering/moving other business credit over to this card. Hello guys. Discover and Capital One won’t let you own more than two of their cards. “But SimplyX69, I see people talking about getting it all the time!” This is because banks are not strict about what qualifies as a business. Having trouble finding data points about whether each additional chase biz app also hard pulls or if they soft pull after the 1st approval. But I have a long history with Chase and have many If it's not there, Chase will want to "chat with you in person" about your business. e. Hey all, when applying for a Chase Business card, they ask for the business's EIN but also for your SSN in the personal section. Back in May I created the Chase business complete checking account, the only way to apply for the ink premier is with a business relationship manager and the complete checking is the cheapest bank account that gives access to a relationship manager, it has 0 fees if you keep Put all of my spend on the card (~90% utilization), let the utilization report (won’t affect credit score since it’s a business card), and pay off the statement balance in full. Please see r/Save3rdPartyApps and this article for more information: https://www. Pick the cards that maximize the value of your spending. I anticipate on spending about 3000-5000 a month initially. I escalated all the way up the chain at my local branch, who pleaded to the management teams with limited success. I'm on the search for a list of which Business Credit Cards report to personal credit reports (balances carried). They don't affect each other. The Front Page of Pakistani Reddit! Members Online. shoots, or just some portrait shoot a year. due to macro factors, etc. But, are they To do this online, you'll first have to create a separate login for your business card. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage ”According to various data points, some Chase customers are seeing business credit card offers, denoted with a black star, when they check for “Just for you” offers. Often merchant (credit card) deposit accounts are separate as well. Of the 5 cards I want, 2 are chase. I don't have a LLCSo I'd be applying as a sole proprietor. The Chase Ink Business Unlimited Credit Card delivers with straightforward rewards, a long intro APR period and a top-notch welcome offer. Any recommendations on the best credit cards for a small but growing professional services business? Monthly billed expenses approx. Trying to find one maybe with cash back or good points for this lower spending bracket. my subreddits. That's a $950 difference just by Do not use it if your Chase Freedom is the eldest card. It could mean anything really. I've looked at the following 3 resources, and while very similar, all r/Amex is the place for American Express cardholders to connect, share tips, and discuss everything related to their premium card benefits. Usually do not carry over monthly A subreddit for discussing credit cards. The Ink Business Preferred Credit Card from Chase allows business owners to earn Chase Ultimate Rewards points on their business purchases. Prior to the Oct Ink Cash, I only had a personal checking with Chase. Consolidate with Navient before äÚ;¿¯_† ±Š¦'*™ Ù ¦ z°Ôß|Çü•®I –‹­i6ÜóÌëEÿ lk Ä2Ž¤² OX6flù­¡¥|„ ¡ I$ ÈZ- õæðª GËWEá . Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. You would be applying as a sole-prop using your name as the business and SSN. If you accidentally miss reporting a business expense and pay more taxes the IRS is not going to care. Chase Sapphire Business credit cards . I can't reach them because they went out of business. Auto system says 7-10 days, then a person says it’s still being reviewed and give it 1-2 weeks. But the best reason to have separate account to keep all business and personal accounts separate. Those cards have no synergy. I have the Chase Ink Business Cash Card and I pay my personal cell phone bill and home cable/internet bill with it (along with my business expenses of course)gotta take advantage of that 5% Here is what cycling credit means. I decided to call the application status number and the automated system said 2 weeks. P2 was approved for Chase ink business unlimited card with a 5k limit. The application page said I'd get a decision letter in 7-10 business, however the confirmation email received while applying said in 30 days. They compare the benefits, fees, rewards, and transfer options of Learn how to apply for Chase business cards without adding to 5/24, get multiple bonuses, and avoid common pitfalls. Chase Ink card allow a 12 month interest free CC: SO currently have balance CIC - $4k, CL=$10k CIU - $4k, CL=$10k Since these card are interest free for 12 months not sure how a balance on INK biz card impacts the application process for additional business cards? A subreddit for discussing credit cards. I am looking into business credit cards and have been comparing getting the Chase Ink Unlimited and Amex Business Platinum cards or the Chase Ink Unlimited, Amex Business Platinum, and BoA Business Travel Advantage MasterCard. ) Wiki at: https://japanfinance. Overhead pretty low, with regular but infrequent dining to meet with clients, minimal travel. If you've gotten any Chase card in the last 30 days. Can I downgrade to a different business card with UR points, and if so would my current points balance then be converted to Hi, I’m looking to apply for a chase checking account to help my odds of getting the Chase ink card and all the other business cards down the road. The cash back Chase's business credit cards require you to choose cards based on spending categories, such as office expenses, advertising, and travel, whereas American Express Generally speaking, you can apply and qualify for more than one Chase business credit card. This is not the same as using business cards to pay personal expenses I received the Chase Ink Preferred last May mainly for the SUB and I'm considering downgrading next month to the 1. EDIT: Approved for Chase Ink Business Unlimited. P. I go to do that, but on the very last page under "Certifications" there's a section saying: 10) The new Cardmember bonus offer is only available if I do not have this card and have not received a new Cardmember bonus for this card in the past 24 months. Same with the Prime card. They are literally telling you this is insufficient to justify the issuance of another business credit card. I was approved for the Chase Ink Business Ink Unlimited card but for only a $3,000 credit limit. " No shifting of credit limits between personal and business cards with Chase. Hi all, I'm looking to get a new credit card soon because the benefits on my current ones aren't what they used to be. {¤îøoã3RÅ#­Å” ü E´ ø?ê]Å "‚ ®ß éÆ çh +l Agreed. Chase Trifecta refers to strategically using a combination of Chase cards that earn, transfer and redeem Ultimate Rewards (UR) points. The credit union I bank at said that I need to be in business 2 years before they issue a business credit card. Members Online. Four Upgraded Boardings: Each anniversary year, you'll be reimbursed for up to four A1-A15 Hi! I have been considering on opening a business card with either Amex or Chase. I’ve been putting everything on my personal credit card for the points. Ink Business Cash® Credit Card overview. After applying online, I was told "Your Application is under review, we will inform you in writing". My question is has anyone really just treated their business card like a personal card and used it for groceries, gas, dining and all the usual personal spend without any repercussions from Chase? I’d estimate 1,000 of the 7,500 dollars of spend might actually be able to be classified as business spend if that. I was applying for a Southwest card online and unfortunately I didn't receive an instant approval. Our American Express card has a $250 annual fee. From what I've read here in posts, I thought that when you apply for the business credit cards, yet, I have applied for the premier (last month) and unlimited (this month), and both times I got a notification Get the Reddit app Scan this QR code to download the app now. I've heard 3k is the standard limit that Chase gives for applicants with no business credit history so not too surprised about that. Or check it out in the app stores   I just created my LLC, got my EIN, so now I'm opening my business credit card. I had my Wife send me a referral (she gets 40k in points). After acquiring my first non-cobranded Chase card I started using the Apple Card for only Apple related purchases where there’s a 3x cash return. Users share their opinions and experiences on different Chase business cards, such as Ink Cash, Ink Preferred, and Unlimited. I have the business credit cards as I build websites but to hit the sign-up bonus spending amounts I usually just put any purchase I can on the credit card to hit the limit, including personal purchases. Our goal is to help Redditors get answers to questions Can earn referral bonus to P2 in the same business if you have the ink card. I was denied once despite having a year’s worth of credit history and a Discover It and an Apple Card. If I apply to the CIU, will I be able to downgrade my CIP later on? A subreddit for discussing credit cards. Next, login to your personal account on the same browser and device, then the link my account option would appear. Known as the Ink Business family, these credit cards earn either cash-back rewards or Chase Ultimate Rewards points. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has When I applied for my first business card the Chase Ink Cash (Aug 2021), I applied as sole proprietor for “Computer service” , and got denied. Investing by J. However Chase Ink is pretty low tier in terms of business credit cards (nothing wrong though, building credit is still good). I was surprised to find that out: I am self employed, so there is not always a clear line between business and personal. theverge I'm on the search for a list of which Business Credit Cards report to personal credit reports (balances carried). Chase is on the stricter side. The dispute team told me they will let the charge stand because I did not save a receipt for the service (that I had purchased 5 months previous). Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. My credit score sucks. Typically earning UR via spend on Chase Freedom and Ink cards, then transferring UR to a r/Amex is the place for American Express cardholders to connect, share tips, and discuss everything related to their premium card benefits. There are better ones you can easily get approved for If you want to look into another great business credit card that I’ve As far as I understand, my two options for downgrading the Chase Ink Business Preferred (CIP) are as follows: Chase Ink Business Cash (CIC) Chase Ink Business Unlimited (CIU) I already have the CIP and the CIC, and I want to apply for the CIU to get the bonus. Chase ironically is the best general personal card issuer IMO, lots of their cards have long-term staying power. My question is because of how 1. My last Ink app was last February. DoC doesn't look to have a list (or maybe I'm typing the wrong item into search). new and 2. Just applied for a chase business credit card and totally had a brain fart moment. With Chase supposedly lightening up on business apps, I decided to apply for the CIC, but sadly was given the "We need A subreddit for discussing credit cards. Since the Chase Sapphire Preferred® Card doesn't offer a 0% intro APR period, you will quickly incur credit card debt if you don't pay off your balance in full every month. Neither do I have a business account with Chase nor do I want one. So I decided to apply for the Chase Business Unlimited just for the 90k SUB. Whether you're looking to maximize your rewards, navigate travel perks, or get the most out of exclusive experiences, this subreddit is Get the Reddit app Scan this QR code to download the app now. What I know is the 5/24 rule is an unofficial rule that you can't have more than 5 credit card applications within the last 24 months in order to be approved for a chase chard. I currently have the DiscoverIt Cash Back card and the Bank of America Cash Back card, which are good, but still want to look at some other options since I want to start traveling a bit more and maximize my cashback/savings. However, I have heard Chase can be a bit more stringent with giving business cards to people without a “real” business and asks more questions than Amex. Earn unlimited 1 point per $1 on all other purchases. Just got the card yesterday, and reading through the literature, it says that the card is to be used for business purchases only. My guess is that there was some abuse taking place and it was an adjustment by Chase. Can I downgrade to a different business card with UR points, and if so would my current points balance then be converted to Get the Reddit app Scan this QR code to download the app now Got denied for a Chase business card two months ago due to the 5/24 rule. Chase for Business offers business banking solutions including business checking and savings accounts, business loans, business credit cards, and lines of credit. UPDATE: Called business ink credit card customer CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. Many others (including myself) are above the 50% income to credit limit ratio. Consider applying for personal business credit cards as a sole proprietor. Keep around $3-4k I just applied last monday for the Chase ink Unlimited since the relationship manager sent the me the app and was pushing the card so I bit the bullet. The Southwest Performance Business card comes with a $199 annual fee, but the perks accompanying the card make up for the cost if you take full advantage of them — even after the first year of card membership. Compare different Chase business card offers What is the best Chase business credit card? No annual fee or 100k bonuses on these Chase business credit cards make it hard to choose. I have been banking with Chase for about 3 years now, starting with a checking account to now holding 4 of their credit CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. Does anybody have experience doing this? Also, how strict do you need to be on business purchases with the card? In last week of Jan 2023, I got Chase Ink Business Cash. Join us for game discussions, tips and tricks, and all things OSRS! OSRS is the official legacy version of RuneScape, the largest free-to-play MMORPG. Chase Business recon line is 1-800-453-9719 The Chase Ink is a personally secured business card. My business recently got approved for a chase ink credit card (2 months ago). There are better ones you can easily get approved for If you want to look into another great business credit card that I’ve I just recently started my LLC and applied for a chase ink cash card (my first business card). While Chase offers a robust portfolio of consumer credit cards, the issuer also has a suite of business cards tailored to different companies and expenses. Chase took time to reallocate credit from other business cards to my new business card, all before letting me know that I was approved. I had to go to a chase branch to get my business card, because they want so much proof of documentation. As Chase business cards gets harder to approve, I'd like to get as many data points as possible on what triggers denials/approvals for those who applied after April 18, 2020 so that we can all help out the credit card community and those who want to benefit from these cards: I see a pretty good offer on the Chase United Business card - 150K signup bonus. Btw, the 50% income to Chase credit limit is a soft rule. Only the Ink Premier earns strictly cash back, while the other 3 is cash back/UR points. Not really finding the perks worth it, but I do use the plat travel on occasion for Chase is my favorite credit card issuer but has been the hardest to get approved for for me, I have the Csp, freedom flex, ink cash business and Hyatt business, they get easer to get once your in to the system. Generally & typically all credit card companies want you to show a minimum of good faith with 6 months before a new account or credit line increase but honestly you have a better chance waiting. Your business, your bank, your customer, your customer’s bank, the credit card processor, and the card networks. You'll get a denial unless you haven't gotten ANY (personal or business) Chase cards in the last 30 days. Unofficial, community ran subreddit to discuss Chase Bank, its affiliates, and subsidiaries The card I WANT to get is the Chase Ink Business Preferred, which has a 100k SUB and 8k spend requirements. There are only a handful of backend credit card processors, among them First Data, TSYS, Chase Paymentech, Worldpay, Vantiv/NPC, Global Payments, Heartland, and Elavon. Learn about the benefits, fees, sign-up bonuses and how to apply for each card. New Chase Sapphire Reserve Card is 38% Heavier—Now Similar to Amex Platinum (3 Generations Pictured) This is our little Romanian corner of Reddit! Members Online. Business credit cards . ADMIN MOD Opening Chase Ink Business Preferred Multiple Times for SUB? Help Needed / Question Hello So, first thing to note, your personal cards and business cards go on separate credit reports. I also have chase credit cards. Look at your bank statements and current credit card statements to find your natural spending categories. As you are 4/24 you could apply for a Chase personal credit card and two Chase business credit cards. Depending on the card you carry, you may be able to combine your rewards with other I plan to apply to the CIC since i'm going to start a business soon and plan to use the card for the business related expenses. I sometimes forget to use my Chase cards. Both cards are offering really great welcome offers and that makes it Before I even received my physical card or conducted a single transaction, Chase shut down my entire account. For example, it could be a straight up decline, maybe they need to verify something like your address or personal details especially if you've never banked with or had any credit cards with Chase before, or maybe their automated approval system couldn't make a decision and they need more time to send it to the underwriting department for a The main draw of the Southwest card is to get the Southwest personal card + business card (typically in November/December), and the sign up bonus on both cards combined is usually enough points to get a companion pass which means someone can fly free with you on your flights for at least a year, almost two years if you time it right. I have no other chase cards and only did this for the 5% instacart part. 2 of my employees would receive employee cards for their travel and other purchases. I've posted here recently about Chase's new credit scoring model for businesses (based on FICO Bankcard 2) and, from direct discussions with Chase business credit underwriters. In order to be approved for any Chase card subject to 5/24, you cannot have opened five or more personal credit cards across all banks in the last 24 months (more on business cards in a moment). 5% IBU card since I still don't have a Chase card that offers plain 1. This was by far the most difficult card application experience I’ve ever dealt with but overall it’s worth it. Been thinking of getting a Chase Ink bussiness card for my photography side bussiness I'm thinking of starting. Morgan. I'm looking for something that happens automatically rather than having to check in every so often to utilize the points. Today my Chase Business Relationship manager told me I could transfer the 2-2. Chase Ink Business Unlimited . In my consulting business, it took several years of building business credit before a bank offered me a corporate credit card I received the Chase Ink Preferred last May mainly for the SUB and I'm considering downgrading next month to the 1. I got approved for my chase Ink card because I want to start building my business credit while knocking out a large purchase for my business. This guide covers the benefits, requirements, tips, and tricks for I signed up for the Chase Ink Business Cash card a few years ago and hit the bonus at that time and have rarely used the card since so I decided I'd cancel the card and then re-apply and get Ink Cash is arguably the best Chase card of all. This sub-reddit is an english language friendly discussion forum Hi, I'm 22 and have recently really gotten into personal finance and really understanding and maximizing credit cards as I'm getting ready to graduate and move out of my parents house. Whether you're looking to maximize your rewards, navigate travel perks, or get the most out of exclusive experiences, this subreddit is I’m just some reddit rando with 9 cards (3 of which I’ve opened over the last 9 months), no interest-bearing credit debt, over $100k worth of credit lines, and a credit score that hovers in the 780-800 range. 4 months from now all my hard inquiries will be reset and my 5/24 rule will be at 0. Hi there, I have a question about chase business card rule. She was hoping to use the card to make an upcoming expense of 5300 but assume that the transaction will get declined. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to View community ranking In the Top 1% of largest communities on Reddit. if you accidentally or "accidentally" try to write off something that was only personal the IRS will very much care if they catch on. Pay no foreign transaction fees. I was confused because I have excellent credit (830+/-) and a long standing with Chase and their credit cards. Looking for a business credit card. Keep in mind that I had several credit cards with Chase at that point and still have no issues getting new Chase cards. 14 Interest 1 Paid off/Closed Auto Loan 100% Payment History 0 Derogatory Marks 1% Utilization Average Age of credit of 1 year 3 months Oldest Account is 2 years 5 months 5 Hard inquiries for the 2 chase cards I have, the amex card I have, the chase ink When I sign onto the card on the chase site, it says " new - pay with points on instacart ", and clicking on it directs me to their site/app. I have been running a small business for a year now and decided this year to officially set up a better financial plan. Does anybody have experience doing this? Also, how strict do you need to be on business purchases with the card? Get the Reddit app Scan this QR code to download the app now. Or check it out in the app stores   I signed up for one of the IHG credit card and have a number of points I keep attempting to use, but cannot. You have a 3 year old business that generates $2700 per year, probably no business deposit relationship to speak of, and another Chase business card. The Chase Ink card has no annual fee. I'm trying to figure out what the best card for Amazon is. Edit: Forgot Amex business plat for travel. I’m actually getting 6 months of free Disney+ right now because I got an Amex We use two business credit cards, Chase Ink for our everyday purchases and American Express (Gold) charge card for our shipping charges. My monthly spend would be $350($4100yr) with some rental car costs added in maybe an extra $1500 a year. 5% cash back across the board. Just opened up a a business account with them end of september. In my consulting business, it took several years of building business credit before a bank offered me a corporate credit card My credit card statement is one statement with transactions from both cards, but I can't get both cards to pull transactions from Chase into QBO properly without ending up missing transactions from one card or having all transactions but not being able to reconcile because they are split between 2 accounts in QBO. 5% on purchases over $5k, with a yearly fee of $195. I'm currently at 3/24: CSP/CFF - 03/23 PENFED Pathfinder - 04/23 800's Fico Scores, 92k income, oldest account 15+ years To add to this it is generally fine to mix expenses on the credit card* you just need to keep them separate for tax purposes. Question I want to ask though is if I get approved for my first Chase application, will I be automatically denied if I apply for the 2nd on the same day, minutes I'm looking to open another Chase business card and read people opened multiple CIC. The only business cards that count towards 5/24 are those that report as accounts (NOT just the hard pulls associated with account opening) to ones' personal credit. Curious if anyone has experience with the Chase Business Cash card and/or 10% Anniversary bonuses. com Store Card by Synchrony. But other cards, even other Is the Chase Ink Business Unlimited Card for You? The Ink Business Unlimited offers respectable cash back for small businesses that prefer to avoid annual fees or higher Get the Reddit app Scan this QR code to download the app now Amex gold, chase business ink, southwest business card (enough to get the companion pass). My business goes through about $400,000 in expenses each year with several purchases being over $5k. Amazon. That $3k credit limit has been common for CIC/CIU's approved in the last few months. American Express offers small business credit cards with a point system. Definitely worth giving a call. Hi, I’m looking to apply for a chase checking account to help my odds of getting the Chase ink card and all the other business cards down the road. Therefore people recommend getting Chase cards first before going and applying for all the other cards. Can i put personal expenses on it to meet the SUB Yes What are the implications None that are known, unless you have an actual business that you got the card for, and were to try writing off personal charges made on your card as business expenses on your taxes (which isn't a 'card implication', but would be a 'tax fraud implication' if you were to do so). I’m looking to apply online first. You could get either CSF/CSR or Chase Ink Preferred Business (CIPB) credit cards for your travel transfer credit card and then CICB and CIUB A subreddit for discussing credit cards. Chase Business Credit Card . The scoring A user posts a question on r/CreditCards subreddit about which chase business card to get for their LLC. Chase hates this for sure and put you in their high risk category. Chase would follow up with some credit limit reductions across my personal cards. io/ Whether you're a new resident with questions about credit cards and cashless payment options, a long-term resident curious about pensions and life insurance, or a digital nomad wanting to talk crypto gains and tax treaties, this is the sub where you'll find informed discussion, friendly advice, and high-quality answers with links to reputable So I just got a chase business credit card. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the View community ranking In the Top 1% of largest communities on Reddit. Use most of the point for travel, hotels, and rental cars. I was nervous given my current credit score but I was way under the 5/24 rule and my utilization on my open cards are 30% or lower. Also expenses like gas, food, and maybe even a hotel if needed for bussiness work. The first step for me is finding a credit card to use, however, when I try and look up the benefits/drawbacks of cards they all look extremely similar. Not sure if this was a follow-up to approving my new business cards or just a broader adjustment (i. Chase Business Cards So I do photography as a hobby when I have time. 5% back earned the card to my personal Sapphire and use it as points; similar to how you do with the Freedom Unlimited to the Sapphire. Or check it out in the app stores   Click any chase card and scroll down just a bit and head over to the “Manage Account” by clicking it. ADMIN MOD Opening Chase Ink Business Preferred Multiple Times for SUB? Help Needed / Question Hello I have multiple credit cards with chase, both personal and business. Chase Business switched a new credit scoring model in March (I linked to it then) and their basis is FICO Bankcard Score 2 for their Business credit applications, which has nothing to do with how Chase scores personal credit applications (I bank with Chase Business, and hold multiple Ink cards as well - I actually reviewed my Chase Business A subreddit for discussing credit cards. However, the IRS WILL care if you write off personal expenses as business expenses for tax purposes. Here’s my history: Currently at 4/24 Recent card opening was 90,000 URP - Chase Ink Business Cash® Credit Card - Acceptance based on Circumstance Question Reddit's hub for advice, articles, and general discussion about getting and repaying student loans. I should easily justify the annual fee for the Chase card. Which Ink card would suit me? My main purchases would be camera gear, purchasing or even renting said gear. Learn how to complete a Chase business credit card application and avoid the 5/24 rule. Of course a saving account may have better interest rates than checking and if you are keeping cash reserves could be beneficial. A good credit card with 3 or 5% cash back at stores like home Depot/lowes and 1% otherwise, let's say would average 2. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage This is the story I got with the same email. You can apply for a business credit card if you consider yourself to have a business. com", I know some threads and posts will pop up A subreddit for discussing credit cards. Apply for a Chase Ink or Capital One Spark A subreddit for discussing credit cards. I know my expectations on limit should be low however I was offered only 1100 dollars for my limit. From my experience, the bank rep suggested that I transfer CL and close the account which I regret the most. They definitely don’t care. Banks are more likely to extend business credit to customers with existing business relationships. If you have a legitimate business using a card dedicated for business spending can make filing taxes easier, as all you're deductible transactions are in one my cards: chase freedom, sapphire metal card, amazon visa card, AMEX gold, AMEX blue haven't signed up for a card in the past year, not sure if this info is important but just mentioning Thank you for your time and help. You are no more or less likely to face audit for simply having the account. 5% back on categories outside the Chase Freedom or Sapphire Reserve which pretty much covers all multipliers offered on the CIP. So the moment AMEX loses the customer service battle I will re-evaluate my credit card strategy. Then I got the Apple Card and a few months later the Prime Rewards. So my main business card is AMEX gold and im looking for a Chase card as my second business card. upvotes 90,000 URP - Chase Ink Business Cash® Credit Card - Acceptance based on Circumstance Question As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. I always hear about how amazing Chase cards are from all of the financial and credit card YouTubers and how great the Chase trifecta is and so on. edit Users share their experiences and opinions on business credit cards that pull Equifax personal reports only. So I'm looking for opinions on what I should do here. I've looked at the following 3 resources, and while very similar, all Use your Ink Business Preferred Credit Card to earn 3X points on shipping purchases; advertising purchases made with social media sites and search engines, and internet, cable and phone services, travel including airfare, hotels, rental cars, train tickets and taxis. Application will always result in a hard pull, usually with Experian and maybe a second bureaus as well. There is a 1/30 rule guideline (1 card every 30 days) for the business cards, so you want to wait until you're at least past that. No verification was needed and no calls to recon were made. I have an upcoming purchase that may very well be in the $5,000 range. I personally applied for a business card with $0 income and was approved. Chase is approving very few sole prop business cards right now. As a note, I already have one card with Chase, which I got in April of this year. When I did that my credit age dropped by 1 year, which affected everything. I didn’t have a credit card for decades. It will still do a hard pull though. A company saved my credit card number for 5 months and charged me 5 times the amount of the service provided. Have a marketing and comms business, no current credit cards. What would the approval odds be for being approved for a bussiness I’m just some reddit rando with 9 cards (3 of which I’ve opened over the last 9 months), no interest-bearing credit debt, over $100k worth of credit lines, and a credit score that hovers in the 780-800 range. Find out what information you need to provide and how to qualify for a Chase business Learn how to apply for a Chase business credit card online, what documents you need and how long it takes to get approved. And calling to request a higher credit limit will involve another hard pull, and if you just got the card, it seems unlikely they will bump up your limit so soon anyways. If you have a "business" credit card and it says your company name AND your name it's not a business card that reports. Plan your budget. . The “business” part refers to the fact that it is a credit card specifically for businesses, and you must be a business to apply for and receive it. Morgan Ritz-Carlton Rewards® Credit Card in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful™ Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold I need to get a new Biz Card for my business I am inheriting due to the owner passing away. frequent my Chase applications are, would applying for the Ink Business Cash/Unlimited come September be a poor choice? -Total available credit on credit cards is too low-Average age of credit cards is too short I called the recon line twice and the operators stated the same reasons, which I wasn't too upset about since I didn't have any prior relationship with Chase and my credit history was very short. So. Get the Reddit app Scan this QR code to download the app now. I just got approved for the baseline 5k on the Business ink preferred after waiting about 2 business days for a decision. Help Needed / Question I have a thin credit history of 7 months now (740 FICO) and is interested to open a Chase Ink Business Cash to pay for the upcoming IRS. That said your personal profile can impact whether you are approved for business cards, especially if your business is new or has low revenue. IMHO, if I’m paying $500+ /yearly for a credit card I should receive excellent customer service. Cycling your credit limit occurs when you max out your credit card, pay it off and then make more charges (or even max it out again) several times in a single statement period. A subreddit for discussing credit cards. Thanks! I've had this card for nearly 10 years and was looking at the Chase Ink Business Premiere which is a 2% plus 2. I had a big expense the first month so I had to credit cycle (charge 3k, pay it off, then charge it Get the Reddit app Scan this QR code to download the app now. I'd offer doing a web search for your code with a "site:reddit. So I have 5 cards I will be attempting to add to my arsenal in 6 months. The business is a Heating and Air Conditioning Company with most significant spend at Wawa Gas, Home Depot, Local supply houses and online suppliers (ex. The definition of business is up to you (and for the lender to accept or deny, of course). A good tip to get into Chase would be to open a Checking/Savings account with them, reroute your direct deposits there, use the account as your primary for a while (like 6 months - 1 year), and then apply for a beginner no-annual fee card To add on what others have said, applying for a Chase business card requires you to be under 5/24, but the card, once approved, doesn’t count toward your 5/24 status Reply reply Top 1% Rank by size If your personal and business accounts are linked under the same login, you can just go to the UR portal and combine points to transfer to the Sapphire Preferred. At this time, the only business cards from a major issuer that are known to report as accounts to personal credit are certain (but not all) business cards issued by Capital One. Find out the annual fees, rewards rates, intro offers and pros and Want to simplify your business credit card rewards? Take a closer look at this Chase card, which lets you earn a flat-rate 1. Definitely want a low or zero annual fee. I put my personal address under my “personal info” and then put my biz address under “business info” . com" or "site:myfico. Is recon possible on a business card and this late? Chase always looks at personal credit history for business cards because all its cards have a personal guarantee clause (this means you, personally CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. Listed $0 business income lol (which is the truth). BBentertainment15. The 2 cards that I'm looking specifically at are the Platinum from Amex or the Chase Ink Business Premiere. Chase Sapphire 7-10 days review! Please help! Help Needed Hello folks! I applied for chase sapphire, at the end the Welcome offer not available to applicants who (i) have or have had The Ritz-Carlton® Credit Card from JPMorgan or the J. Once your on this menu on the top left you should see a button called “Stored Cards” click it and scroll all the way down As far as velocity goes, there's a general strategy of staying below 5/24 or going LOL/24. Or check it out in the app stores Chase Business credit cards . 5% cash back, on $10k and a $200 intro bonus, would net $450 in cash back vs paying $500 in interest. Notably, these business credit card offers appear to be showing up only when users are logged in to their personal Chase accounts (not personal/business combined accounts)” A subreddit for discussing credit cards. I`m trying to put my taxes expenses on a credit card. This means you actually need to be under 5/24 to be approved . Chase is not alone in limiting credit card ownership. Chase's Ink Business Cash Credit Card provides a healthy 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Probably has to do with I travel to Asia about every other year for family and I want to know which card(s) I can maximize for redemption of business class tickets for my jump to content. Chase business trifecta. Given these categories, it's a solid no-annual-fee small-business credit card. Chase Ink Business Cash or Ink Business Preferred would be the secondary card for phone, internet and rental car costs. Having and using a business credit card has no bearing whatsoever on your tax liability or filing requirements. They compare the benefits and requirements of the Ink Preferred and the Ink According to thepointsguy in a google search, a good number of business credit cards don't count at all even if some of those business cards are from Chase itself. Long story short, I'm now at 3/24, and have 8 inquiries on my TU credit report (1 of these inquiries was when Chase pulled my Personal TransUnion a little over a month ago). I have the Chase Ink Business Cash Card and I pay my personal cell phone bill and home cable/internet bill with it (along with my business expenses of course)gotta take advantage of that 5% A subreddit for discussing credit cards. Why won’t they talk to me? Chase (and other issuers but primarily Chase) have cards that are worth keeping but if you only open an Ink every 3 months you'll never get at least Chase's personal cards (IHG, AC, Hyatt, CSP/CSR). La plimbare pe Plaiul Foii, Zărneşti. Don't fall for the marketing end of credit cards. But Chase will deny you for an Ink if you’re at 5/24 or above. Will your current bank give you a corporate card? You can apply for business credit cards for your company and personally guarantee them. Supplyhouse. Lastly, after linking it, you'll need to use your business account info to access both your personal and business cards. Furthermore, they treat personal and business credit limits as two separate entities- as business credit limits can reach upwards of 20-30k (base on revenue and age of said business). Or check it out in the app stores Do anyone knows which is the best number to put in annual business revenue in a business credit card application, to get the highest limit possible without getting requested proof of income? Amex gave me 10k on my BBP and Chase gave me 3k on That next card approval will always get you more credit. mggudx gzjo ekyq otfhup pamjcuv etbqjr kvlnon dimjelt xjqz xkzygqu