Doesn't it depend on what processing company they use?
You quoted the wrong person. Any AU history older than that? If not, get yourself added as an AU on an old, clean, account or two with another bank than amex, and try again.
AU or primary?
A BoA business card?
Strange. Somebody from your address?Try citi, they're pretty good about reporting.
I mean try getting added as an AU on a citi card. They report to the CRAs reasonably fast.
Amex will report the date that your added as an AU as the account age. That's why you don't want that. Most other banks will backdate the account age to primary account opening date, so date you were added as AU doesn't matter.
Try citi.
Any other?
BoA should, but you said that didn't report for you. Most banks do, amex being the notable exception.
I was an AU on a Bank of America card for about 2 years now. Chase/Experian didn't look at it. When I spoke to reconsideration, they told me for whatever reason it didn't show up. I happened to have just been taken off as an AU now.
Very YMMV, but 18 months should be more than enough. Many people have gotten approved with less. Was the credit line on the card you have over $5k?
The minimum starting credit line for the CSP is $5k. If you had other cards on your report with that credit line or higher, Chase would be more willing to match it. Chase doesn't like being the first to offer you much higher credit lines than you have.
It'll give you a better chance. There are other factors, too, including reported income and personal history with Chase. I'd still strongly advise you to get added as an AU on an old, spotless account with a high credit line and low to zero utilization. It'll do wonders for your credit score.
Just to confirm,Amex biz and personal merge into one pull?
I know this has been discussed, I just have no clue where. If I currently have an Ink Plus card under just my SSN, can I apply for a new one with a different company name under same SSN but with an EIN # this time?
Yes