American Express Business Card questions please help!!!

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Deighton
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American Express Business Card questions please help!!!

Postby Deighton » Mon Jan 13, 2014 10:38 pm

I am inquiring about a small business amex card for my wife's hairsalon. I am the sole prop. Even though she does the work. I just purchased the chase paymentech and noticed an AMEX logo on there. So I thought about applying for a card, within a few months down the line. My credit score is poor, but want to open a business acct. Is it easier getting one the a personal?


samhradh
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Postby samhradh » Tue Jan 14, 2014 7:11 am

Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

Kaiokenryu
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Postby Kaiokenryu » Tue Jan 14, 2014 8:19 am

I would recommend a Chase product. I looked at your other threads....and I'm willing to bet that if you get your ratios right....you'll be a shoe-in. they have really good business products...look into it. I have two chase business products with CL higher than my personal amex. Amex is just a little tougher.

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djrez4
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Postby djrez4 » Tue Jan 14, 2014 10:44 am

Now you're the sole proprietor? Last time you were being added as a "co-partner."

I think you should avoid obtaining any new credit. Period.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

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otter
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Postby otter » Tue Jan 14, 2014 2:40 pm

You should try the shopping card trick... it's a great way to get 8 $100 cards quickly!
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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Z06Biker
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Postby Z06Biker » Tue Jan 14, 2014 3:06 pm

djrez4 wrote:Now you're the sole proprietor? Last time you were being added as a "co-partner."

I think you should avoid obtaining any new credit. Period.


Leave it to our resident attorney to call shenanigans. ;)
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

Kaiokenryu
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Postby Kaiokenryu » Tue Jan 14, 2014 9:52 pm

wow...brutal around here....lol.

Deighton
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Postby Deighton » Wed Jan 15, 2014 8:14 am

Kaiokenryu wrote:I would recommend a Chase product. I looked at your other threads....and I'm willing to bet that if you get your ratios right....you'll be a shoe-in. they have really good business products...look into it. I have two chase business products with CL higher than my personal amex. Amex is just a little tougher.


Thanks Kaio

Deighton
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Postby Deighton » Wed Jan 15, 2014 8:16 am

djrez4 wrote:Now you're the sole proprietor? Last time you were being added as a "co-partner."

I think you should avoid obtaining any new credit. Period.



Yeah I think I shouldn't do anything for about a year. Till everything builds back up.

Deighton
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Postby Deighton » Wed Jan 15, 2014 8:19 am

Kaiokenryu wrote:wow...brutal around here....lol.


Yeah it's fine. That's why I'm on here to get advice. I bet majority of people on here started from the bottom, now they act like their S&%$ don't stink. Don't worry I'll be laughing on the way to the bank in a few months. But thanks for your advice and God Bless.



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