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  1. NYCdude27

    Business LOC Advice - (Chase, Wells, TFCU)

    $20k for Wells Fargo is great for just opening with them! Depending on your scores, you should be able to get a Chase Biz card. I'm sure you will need a checking account if you want to also apply for a LOC with them.
  2. NYCdude27

    Business LOC Advice - (Chase, Wells, TFCU)

    Who do you currently bank with? Wells Fargo can be strict if you don't have a relationship. Chase isn't as strict, but it helps to have the banking relationship with them as well.
  3. NYCdude27

    Best Balance Transfer cards currently ?

    I would try for an AMEX or Chase business card for 0% BT offers. BofA has a couple of Biz cards, but they are 0% on purchases only.
  4. NYCdude27

    Requirements for Business Credit Cards

    You mentioned you are an LLC? So you will need to give them you EIN, SS#, Personal Income, Business Income. They will probably not need financials if you are only applying for a credit card. Feel free to browse the applications, they will explain everything you need to know.
  5. NYCdude27

    Requirements for Business Credit Cards

    Credit card companies will not convert personal cards to business cards, but you can apply for some new cards. American Express and Chase have the biggest selection of Business cards. They will all do a Hard pull on your Personal reports, but will only report to Business reports.
  6. NYCdude27

    Quickbooks Lending

    That's great... did QB pull a Hard on your personal reports? What kind of rate did they give you?
  7. NYCdude27

    Quickbooks Lending

    Cool... Did they make you an offer?
  8. NYCdude27

    BOA which card to app when the BK drops in 2019?

    For those rebuilding credit, it depends on who they included on the BK. They could be Blacklisted from certain creditors. BofA is more forgiving than most.
  9. NYCdude27

    Discover IT Business reporting to Personal???

    Yes, I have seen this table. If it is from this article, it says it only reports if delinquent. https://wallethub.com/edu/business-credit-card-study/25816/ When I called Customer Service just told me that they only report to Business reports. Does anyone have any personal experience?
  10. Hi- Does anyone have the Disover IT Business Card? Does it report to your personal credit reports? I called and they said it only reports to Business?
  11. NYCdude27

    BOA which card to app when the BK drops in 2019?

    You don't have to wait. Assuming your scores are decent, they will approve you. An existing relationship helps, such as a checking account.
  12. NYCdude27

    Apping a NFCU card

    I mostly use them for their yearly BT offers. Having NO FEE for a Balance Transfer is a nice perk too!
  13. NYCdude27

    Apping a NFCU card

    NFCU is great!!! Even if they start you out low, they give very generous CLI...
  14. I agree, it doesn't sound like you can afford a car. Is the 40K collection from the IRS?
  15. NYCdude27

    Kabbage Line of Credit

    Hi DeAlmaro- Kabbage has a High Interest rate compared to a credit card or LOC. In addition, it must be payed back within 6 months with the majority of interested being paid in the first 2 months. Yes, the Credit Line is all computer based. The more accounts you link, the higher your limit goes. The majority of the limit will come from your income based off of your online sales. (Amazon, eBay, etc)

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