Starter Card Recs / Business cc boosts personal credit?

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Starter Card Recs / Business cc boosts personal credit?

Postby jessicwl » Wed Oct 12, 2016 4:51 pm

Hey everyone, not sure which thread to post this question on so hopefully someone has some advice...

We've decided it's time to get a credit card or 2 to start boosting our credit while getting rewards. We'd use the card as a debit card and pay off each month, never keeping a balance. Here are the 2 types of cards we plan to get:

1) While running my real estate business, I figured it'd be convenient to have one credit card just to be used for business expenses such as gas, utilities, advertising, signage, etc. Without researching too much, I just applied for the Chase Ink Plus Business card and got accepted. Seems like this one is a great card for the rewards, but my big question is....will utilizing this credit card help boost my personal credit score or not so much since it's a business card?

2) The second card would be under my fiance's name and I'd be an authorized user. He applied for the Chase Sapphire and waiting to hear back. After looking into it more, seems like it may be tough to get accepted for this one with having only average credit. He's had 1 or 2 credit cards in the past but never really used them much and closed the accounts. If he happens to get accepted for the Chase Sapphire, it'd be great because we can interchange rewards points with the Ink Plus card. But if he gets denied, what would you recommend to apply for? We'd use this one for everyday expenses like groceries, restaurants, travel, etc. His credit is average.

Thanks in advance for the help!

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Re: Starter Card Recs / Business cc boosts personal credit?

Postby Stros05 » Wed Oct 19, 2016 9:46 am

Business cards will not help your credit score. Thly only report to the credit bureaus if you do not make your card payments.

If you do not get approved for the Chase Sapphire card, you might want to apply for the Capital One® Quicksilver® Cash Rewards Credit Card. It is easier to get approved for, will earn you some rewards and will improve your credit score (if you make your monthly payments on time).

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Re: Starter Card Recs / Business cc boosts personal credit?

Postby Taalar » Sat Nov 12, 2016 12:32 am

I agree. Quicksilver and their customer service is good as well as initial credit limit increases.
Chase Sapphire Reserve Visa Infiniti $59,500
Bank of America Cash Rewards Visa Signature $47,500
American Express Blue Cash preferred. $35,500
Capital one Quick Silver Visa Signature $25,000
USAA Limitless Cashback Visa Signature $25,000
Experian 838 Transunion 836 Equifax 855

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