US BANK BUSINESS CC
#1
Posted 17 June 2012 - 09:39 PM
#2
Posted 17 June 2012 - 09:53 PM
#3
Posted 17 June 2012 - 10:00 PM
What industry is your business in? I would giess some form of construction if you have both a Lowes' and a Home Depot card? Have you any fuel or fleet cards? Usually gas cards and their ilk are thought of as steeping stones for everything credit wise.
I buy rental property and rehab. I buy them to keep as investments but I know alot of investors too. So I end up putting tenants in and having ppl wanting to buy them. I actually got a ford XLT F150 and a 14ft enclosed trailer for my bussiness but I haven't appd for gas cards. I def need them. Whats the easiest to get? I was thinking of shell but have no shell stations around.
#4
Posted 17 June 2012 - 10:39 PM
#5
Posted 18 June 2012 - 12:40 AM
#6
Posted 18 June 2012 - 02:22 AM
#7
Posted 18 June 2012 - 07:44 AM
I buy rental property and rehab. I buy them to keep as investments but I know alot of investors too. So I end up putting tenants in and having ppl wanting to buy them. I actually got a ford XLT F150 and a 14ft enclosed trailer for my bussiness but I haven't appd for gas cards. I def need them. Whats the easiest to get? I was thinking of shell but have no shell stations around.
Fleet cards like a Jiffy Lube or a Pepboys are what I have plus a WAWA fleet Universal card. All are from Wright Express and it may take a bit to get more than one. They made me throw a grand deposit for a year on the Pepboys card after having a WAWA Universal for 5k and a Jiffy Lube for $750. Supposdly they also have a Gulf and Lukoil/Getty in their offerings.
Citi also gave me some cards like a Shell, followed by a Sunoco, and finally a Exxon Mobil.
Fleetcor also gave me a BP Fleet and a Citgo Fleet card.
Which ones are in your area?
#8
Posted 18 June 2012 - 04:55 PM
Citi also gave me some cards like a Shell, followed by a Sunoco, and finally a Exxon Mobil.
Fleetcor also gave me a BP Fleet and a Citgo Fleet card.
Which ones are in your area?
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90% of gas stations around me are circle k's. Acouple are locally owned ones like "Gas and Oil". There is a speedway and BP fairly close to the HD and Lowes I go to. I guess I could try those.
#9
Posted 18 June 2012 - 05:31 PM
#10
Posted 18 June 2012 - 09:22 PM
You mentioned you have been tapping your personal CLs but how much willl a $1000 card help you in the forseeable future? Unless you get a lot of love by way of CLI in the near term will your situation change?
Also, i'm really interested in understanding how they just gave you a business card out of the blue. No PG? No credit pull? No recon?
#11
Posted 19 June 2012 - 08:01 AM
#12
Posted 20 June 2012 - 12:17 AM
1340072543[/url]' post='4701802']
Hey Trubl82
You mentioned you have been tapping your personal CLs but how much willl a $1000 card help you in the forseeable future? Unless you get a lot of love by way of CLI in the near term will your situation change?
Also, i'm really interested in understanding how they just gave you a business card out of the blue. No PG? No credit pull? No recon?
The 1000 is nothin but building business credit. I have personal navy,psecu,sdfcu,citi cards adding up to $73k. Plus some $5k cards. I have high util right now so prob y the low limit. They pulled a soft inq. On personal cr. cs is around 630 now but I have perfect history no negs. I called for cli and told them I just paid $16k on my cc's so my score would be higher and they told me to call back once they report and they'll see what they do. Ive had us bank for about 5 years now but opened up business account account months ago. Actually I got a denial letter a month ago but signed in to see the account. Must. Be cuz I'm running larger sums thru account now. Almost every a couple weeks I go to the bank, a day later I notice a soft pull on eq from them. I must be on there radar. Also I pay cash for houses that I buy and get my cashiers checks from them to pay title company. That prob sends a flag. I'm calling back on the second of July for increase and will update the thread.
#13
Posted 24 June 2012 - 03:12 PM
#14
Posted 24 June 2012 - 08:26 PM
#15
Posted 25 June 2012 - 12:55 AM
They pulled tu? Why are you pging wex and amazon? Personally I would not pg any of those accounts.
Yea they pulled TU. I PG'd those accounts just to ensure approval. Not that I wouldn't get approved anyway, just wanted to make sure. Also I figured these will be my lowest account I'm sure in a few years. So it doesnt hurt to PG them. Then once I have more TL's and history on biz reports, I'll try for real lines of credit and I won't PG them. And by real I mean 10k and up.
#16
Posted 25 June 2012 - 09:37 AM
#17
Posted 25 June 2012 - 09:06 PM
if you have a credit card with a CU that is underwritten by ELAN, would getting one from US BANK be easier at all?
I don't think it would make the process easier, the 2 obviously are linked so that would help with the cross referencing aspect of the application process.
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