OMG OMG - I GOT A CITI BUSINESS CARD!!!

[ouchthatburns]

Hey Citibusiness card holders!

 

How many of you actually have them reporting your lines to experian or DnB?

 

...and how long did it take?

 

In 9 months I have not yet had it report.

Edited February 8, 2008 by ouchthatburns

[steer]

Got the Citi PP end of Jan 12,000 limit, I got the 30 day message and the accesorize page. 750 FICO, 3 on DnB they pull my EQ personal.

 

No matter what SOME say, Even with a crap load of new INQs on my biz reports I still got approved. After moving some debt around I will apply for the Citi biz with thankyou points and the AA cards to complete the TRIO.

 

I also got a CLI on my Bankatlantic biz card from 500 to 20,000.

 

I got a suntrust biz card for 5,000 ( Suntrust sucks)

 

2 months ago I had a brand new EQ biz file with only 1 reporting ( chase biz card) now I have 13 reporting. Even some of my old Biz visa accounts that never reported before are now reporting to EQ biz.

 

I have 3 lines on my EX biz report.

 

I was also approved for a CRAP1 biz card, I froze my EXP and TU personal reports and applied, so they only pulled my EQ personal. They approved but no credit limit yet. I think I'm the only personal on the face of the planet who has ever gotten approved for a CRAP1 with only 1 PULL. We'll see If I get the infamous 500 credit line.

 

I also got approved instantly for the Advanta biz card, but no credit limit yet.

 

I already removed most of the INQs from my reports and I'm almost ready to go at it again, For the people who act like SCARED RABBITs, Oh well more for me.

 

I just thought I'd let the BOLD members know that everything isn't like some preach.

[helcat]

2 months ago I had a brand new EQ biz file with only 1 reporting ( chase biz card) now I have 13 reporting. Even some of my old Biz visa accounts that never reported before are now reporting to EQ biz.

 

What are the 13 items reporting now?

[LDS]

Got the Citi PP end of Jan 12,000 limit, I got the 30 day message and the accesorize page. 750 FICO, 3 on DnB they pull my EQ personal.

 

No matter what SOME say, Even with a crap load of new INQs on my biz reports I still got approved. After moving some debt around I will apply for the Citi biz with thankyou points and the AA cards to complete the TRIO.

 

I also got a CLI on my Bankatlantic biz card from 500 to 20,000.

 

I got a suntrust biz card for 5,000 ( Suntrust sucks)

 

2 months ago I had a brand new EQ biz file with only 1 reporting ( chase biz card) now I have 13 reporting. Even some of my old Biz visa accounts that never reported before are now reporting to EQ biz.

 

I have 3 lines on my EX biz report.

 

I was also approved for a CRAP1 biz card, I froze my EXP and TU personal reports and applied, so they only pulled my EQ personal. They approved but no credit limit yet. I think I'm the only personal on the face of the planet who has ever gotten approved for a CRAP1 with only 1 PULL. We'll see If I get the infamous 500 credit line.

 

I also got approved instantly for the Advanta biz card, but no credit limit yet.

 

I already removed most of the INQs from my reports and I'm almost ready to go at it again, For the people who act like SCARED RABBITs, Oh well more for me.

 

I just thought I'd let the BOLD members know that everything isn't like some preach.

 

 

What is a EQ file and how do you get one?

 

 

Thanks

[bev32atm]

Got the Citi PP end of Jan 12,000 limit, I got the 30 day message and the accesorize page. 750 FICO, 3 on DnB they pull my EQ personal.

 

No matter what SOME say, Even with a crap load of new INQs on my biz reports I still got approved. After moving some debt around I will apply for the Citi biz with thankyou points and the AA cards to complete the TRIO.

 

I also got a CLI on my Bankatlantic biz card from 500 to 20,000.

 

I got a suntrust biz card for 5,000 ( Suntrust sucks)

 

2 months ago I had a brand new EQ biz file with only 1 reporting ( chase biz card) now I have 13 reporting. Even some of my old Biz visa accounts that never reported before are now reporting to EQ biz.

 

I have 3 lines on my EX biz report.

 

I was also approved for a CRAP1 biz card, I froze my EXP and TU personal reports and applied, so they only pulled my EQ personal. They approved but no credit limit yet. I think I'm the only personal on the face of the planet who has ever gotten approved for a CRAP1 with only 1 PULL. We'll see If I get the infamous 500 credit line.

 

I also got approved instantly for the Advanta biz card, but no credit limit yet.

 

I already removed most of the INQs from my reports and I'm almost ready to go at it again, For the people who act like SCARED RABBITs, Oh well more for me.

 

I just thought I'd let the BOLD members know that everything isn't like some preach.

 

 

Hi Steer,

 

Congrats! looks like your doing well. I have a quick question for you. Who do you use for inquiry removal?

 

Thanks,

Bev

[HotRod08]

Got the Citi PP end of Jan 12,000 limit, I got the 30 day message and the accesorize page. 750 FICO, 3 on DnB they pull my EQ personal.

 

No matter what SOME say, Even with a crap load of new INQs on my biz reports I still got approved. After moving some debt around I will apply for the Citi biz with thankyou points and the AA cards to complete the TRIO.

 

I also got a CLI on my Bankatlantic biz card from 500 to 20,000.

 

I got a suntrust biz card for 5,000 ( Suntrust sucks)

 

2 months ago I had a brand new EQ biz file with only 1 reporting ( chase biz card) now I have 13 reporting. Even some of my old Biz visa accounts that never reported before are now reporting to EQ biz.

 

I have 3 lines on my EX biz report.

 

I was also approved for a CRAP1 biz card, I froze my EXP and TU personal reports and applied, so they only pulled my EQ personal. They approved but no credit limit yet. I think I'm the only personal on the face of the planet who has ever gotten approved for a CRAP1 with only 1 PULL. We'll see If I get the infamous 500 credit line.

 

I also got approved instantly for the Advanta biz card, but no credit limit yet.

 

I already removed most of the INQs from my reports and I'm almost ready to go at it again, For the people who act like SCARED RABBITs, Oh well more for me.

 

I just thought I'd let the BOLD members know that everything isn't like some preach.

 

 

Hi Steer,

 

Congrats! looks like your doing well. I have a quick question for you. Who do you use for inquiry removal?

 

Thanks,

Bev

 

Hey everyone,

 

I am new to CB but have been in business for a while and starting biz#2. The info being shared is new to me however. How long should I wait between applications. I recently got staples which is citi. I know most others are also. Any idea about time tables??

[credit_flatlined]

I dont understand. I went to this site citibusinesscreditcards.com and it asks you for your SSN. The first post says you didnt put it in.... or did I misread?

[civicenterprise]

Ok, today going through my mail...I see something addressed to my business but at my home address. I had NOOOOO idea what it was. I was SHOCKED to find a CITI Business Mastercard with a 4000 CL!!!!

 

Whooohoooo!

 

 

I remember applying about 2 weeks ago, but got the standard message. I thought I was denied.

 

I can hardly believe this.

 

I don't even think they pulled my personal credit. I'll have to go look and see.

 

Holy cow people! You have NOOOOOOOOOOOOOOOOOOOOOOOOO idea how good I'm feeling right now.

 

 

Must be my reward for settling my personal Discover card c/o and paying them in full. Good

 

Karma or whatever.

 

 

I'm shocked, shocked, shocked.

[civicenterprise]

Hello, could you tell me did you have to fill out a PG or what did you put when they ask for a SSN. cause I have over $20,000 in lines of credit but I cant get a business credit card..

[Chris AKA]

I just applied for a CitiBusiness card and they pulled my personal TU.

 

Chris

[drew3918]

Hello, could you tell me did you have to fill out a PG or what did you put when they ask for a SSN. cause I have over $20,000 in lines of credit but I cant get a business credit card..

 

 

Citi is not going to let you get away without PGing unless you're pushing tens of Millions through them.

[Spydc]

Is it mandatory to wait 90 days before reapplying for the citi business cards? I applied sometime in April and I was denied due to high balances. My EQ FICO at the time was around 701. I have paid down a lot of the balances and my FICO is currently over 750. I'm eager to apply again but I wonder if I will get an automatic denial if it is less than 90 days.

Edited June 16, 2008 by Spydc

[Jemack]

Application Received

Thank you K....... H....... Your application has been received. Further processing is required at this time. We will contact you within 30 days via email regarding our decision. Thank you for requesting a CitiBusiness® Card with ThankYou® Network.

 

Since i have DNB but no one had reported yet. So i am not sure if i would be approved.

[Teetering Sanity]

Can anyone help me with this. I applied for this card when I was pretty much running on fumes and can't remember most of what I put. I actually thought the application times out because I was taking so long and didn't realize they were processing the app. Today I got an email stating only one reason for not approving me:

 

"Your gross yearly income as listed on your application

does not meet our minimum income requirements. If you

think there is an error in your reported income figure

or if you wish to tell us of any additional income not

stated on your application please call us at..."

 

Does anyone know the minimum requirement?

 

No other reasons were listed, like referrals to my personal credit history or anything. I would like to be a little more informed before I call, so that I know what documentation I may need to pull to grant a possible approval.

 

Thanks in advance.

[PizPump]

Does anyone have a link to a .pdf version of the CitiBusiness Card application?

[milesb]

does anybody have an update on citi business cards?

[Guest]

I was approved for a CitiBusiness card a little over a year ago (at the time: 3year old biz, 80 paydex, only a few trades (staples, quill, exxon, reliable, dell). In July of this year they decided that I didn't meet their credit requirements anymore and canceled the card. Never paid late, usually paid in full, revolved a balance a few months here and there just because. Their reason was that I had high revolving on my personal credit.

[vtt]

I know CITIBANK closed the HDMC for everyone..but gotta kep making the payments, so they dont ruin your business credit report

BTW, i have ben told that one should wait 14 business days between "soft pulls' on your D&B, and even 30 days for hard pulls.Anyone know for sure?

[nycluv]

I know CITIBANK closed the HDMC for everyone..but gotta kep making the payments, so they dont ruin your business credit report

BTW, i have ben told that one should wait 14 business days between "soft pulls' on your D&B, and even 30 days for hard pulls.Anyone know for sure?

 

 

does every biz cc need personal credit info?

[vtt]

seems so..if anyone knows of any that don't let me know.. ihave a sam's discover and keybank that are non Pg that's it, and i got those 3 years ago

[walnutspeanuts]

seems so..if anyone knows of any that don't let me know.. ihave a sam's discover and keybank that are non Pg that's it, and i got those 3 years ago

 

Id really like the answer to this question as im trying to keep my personal biz credit completely separate

[milesb]

Becuase of ant terroism laws under the patriot act every banking institution requieres a ssn...this doesn't always mean pg as many think. Just identifying you as a breathing person. Many time has no bearing on retaining business credit.

[invisible1]

I know CITIBANK closed the HDMC for everyone..but gotta kep making the payments, so they dont ruin your business credit report

BTW, i have ben told that one should wait 14 business days between "soft pulls' on your D&B, and even 30 days for hard pulls.Anyone know for sure?

 

 

does every biz cc need personal credit info?

[invisible1]

hello everyone, i'm a newbie and question i'm goingto ask will probally show it. is dunn an bradstreet a credit reporting bureau and should i be paying for their credit builder?

[expectator]

Congrats!

 

Ok, today going through my mail...I see something addressed to my business but at my home address. I had NOOOOO idea what it was. I was SHOCKED to find a CITI Business Mastercard with a 4000 CL!!!!

 

Whooohoooo!

 

 

I remember applying about 2 weeks ago, but got the standard message. I thought I was denied.

 

I can hardly believe this.

 

I don't even think they pulled my personal credit. I'll have to go look and see.

 

Holy cow people! You have NOOOOOOOOOOOOOOOOOOOOOOOOO idea how good I'm feeling right now.

 

 

Must be my reward for settling my personal Discover card c/o and paying them in full. Good

 

Karma or whatever.

 

 

I'm shocked, shocked, shocked.