Hows it going guys. turned 18 just a bit longer than a month ago, and I am not reported on any credit bureaus.
About a week ago I was put as an authorized user for a gold charge card. Ordered a capital one secured MC that should be coming in a week. I have 3 bank accounts, but my personal one that I use has only a few grand in it. Before the AMEX I would use my chase atm card, which I hated, no credit and its risky. Anyways, I dont want to be an authorized user, I want my own main account, and I need a Business AMEX as well. I own an LLC'd company and have my fed tax ID and the whole 9 yards.
I've been making business charges on the regular since I got my atm card. But recently they have been stepping up, and will continue to step up. My business charges will increase dramatically in the next 2 months as well. Right now at my rate I am averaging $1200-1750 a month in expenses. I file federal, state, and sales taxes, therefore I want no issues.
But that fact of the matter is, I cant even qualify for a business card yet. I am seeking advice, with my AU AMEX, Secured MC (capital one) what is the best way to improve my credit as best as possible? I'm letting my mom use my Secured MC for all of her miscellaneous expenses. (800-1200 a month)