How can I apply for a truist credit card?

[moshe121]

I want to know if it is possible to apply for a Truist credit card out of their geographical zone, without to visit a branch. the website address it https://www.truist.com/.

[1avigrun]

What’s special about it

[moshe121]

It is nothing special about this particular card, it just have a business card with 12 months 0% APR and there is not very much business cards with 12 months 0% APR, so every card more is a plus.

[Shaya E]

It is nothing special about this particular card, it just have a business card with 12 months 0% APR and there is not very much business cards with 12 months 0% APR, so every card more is a plus.

Chase Inks, Amex BBP.

[chbochur]

It is nothing special about this particular card, it just have a business card with 12 months 0% APR and there is not very much business cards with 12 months 0% APR, so every card more is a plus.

There are plenty of business cards that offer zero apr. I highly doubt you'll get more then a few thousand dollars with this card. Not worth time and headache. And of course I would like to warn you about how slippery this slope is...

[DaasTora]

Chase Inks, Amex BBP.

Amex what? Business platinum is 0% apr?

[Shaya E]

Amex what? Business platinum is 0% apr?

Blue Business Plus. Also the Blue Business Cash.

[moshe121]

You can get higher limits on other business cards then chase and amex, like on the gm rewards business card, but if you have them all and you want to get more cards every dollar counts.
You can only get approved easy on chase amex and gm from Marcus, Bank of America and Wells Fargo and US Bank is much harder to get approved, Capital one is being reported on the personal credit report, so there is no big choice for business credit card with 0 APR.

[wv123]

You can apply at any Truist branch. It’s only the website that lock you out geographically.

[moshe121]

Ready to travel 10 hours for a cc?

[CountValentine]

You can apply at any Truist branch. It’s only the website that lock you out geographically.

Have you tried? Some CU's will lock you out no matter where you apply.

[wv123]

Have you tried? Some CU's will lock you out no matter where you apply.

Yes. I'm out of market in NY, and I applied on my last trip to PA. Card was approved in about 48 hours.

[moshe121]

Yes. I'm out of market in NY, and I applied on my last trip to PA. Card was approved in about 48 hours.

Did you have a good experience with them?

[wv123]

Did you have a good experience with them?

The bankers are nice enough and they shouldn't give you a tough time applying for a card. If one gives you a hard time being OOS, I can pretty much guarantee you another nearby branch would gladly help out.

As for underwriting, they're not particularly picky on inquiries and new accounts, but it'll take 2-3 days to hear back on an answer sometimes. They pull Equifax for all credit apps.

There's also a bonus 10-50% on rewards earned and some other perks if you have a Truist One Checking account and a certain balance level, like BoA Preferred Rewards. Again, not geofenced in branch for checking/banking products either.

I have their 3/2/1 rewards card that I mainly use for gas rewards. No AF, and no FTF. Nothing special, nothing amazing, but they hand out decent limits.

[moshe121]

That is very important information that they pull the Equifax report, thanks for sharing it.

Can you be more specific about the limit they give?

[wv123]

That is very important information that they pull the Equifax report, thanks for sharing it.

Can you be more specific about the limit they give?

There's no specific limit per se as every single applicant and credit file is different, but if your credit profile is well established and you have a good score, expect high single or low double digit thousands.

Also, I should have read your previous posts a little further in-depth. You won't be able to open a business card without having a business within the states that Truist services. Only personal cards applications will be accepted without a geo-lock in-branch.