Misc Credit Card Questions

[Mendelssohn]

How is household income always the same number as personal tax liable income, especially when it comes to a dependent?

You are misunderstanding this.

We are discussing what Amex considers to be reasonable access, and that is what is filed on a tax return, regardless of status such as joint. I know people that have included a relative's income because they live in the same home, and Amex does not include this income in a FR.

Definitions vary by issuer.

You can search for BobWang's thread on this subject on CB.

[eliraps]

Timeline:
Day 1: Amex biz app - instant approval.
Day 2: 2 X Amex personal app - 1 X instant approval.
Day 6: Approval of 2nd personal app.

I'm assuming that I now have 3 HPs.

How should I go about trying to have them merged into one?
Should I call the CB about all three of them? Or first call about 2 and after success call again about the 3rd?

[Mendelssohn]

Timeline:
Day 1: Amex biz app - instant approval.
Day 2: 2 X Amex personal app - 1 X instant approval.
Day 6: Approval of 2nd personal app.

I'm assuming that I now have 3 HPs.

How should I go about trying to have them merged into one?
Should I call the CB about all three of them? Or first call about 2 and after success call again about the 3rd?

Not "merged," but removed.  "Merged" pulls happen on the same day.

[chinagel]

has anyone had success doing pc with amex to a different brand (i.e. delta to bc) card or its not possible

[davidd75]

Can multiple officers of the same business get a business cc in their own name using same EIN

[yochiek93]

Can multiple officers of the same business get a business cc in their own name using same EIN

Yes

[davidd75]

Yes

How does that work? doesn't the credit track the business EIN and not the individual and therefore the cc is issued to one EIN?

[yochiek93]

How does that work? doesn't the credit track the business EIN and not the individual and therefore the cc is issued to one EIN?

They still pull your personal credit

[eliraps]

I pay $9 a month for life lock insurance. There supposed to contact me to verify every time there's a hard pull on my CR. Recently, I have applied for a few cards and never been contacted by them. Any known data on this?

I called and the rep said that they don't always notice every activity on my CR. Their main thing is that if i were c"v to be a victim of id theft they would cover legal expenses.

Still sounds strange to me that in the past they always called or emailed me within a couple hours of a HP and now they've missed 4 pulls.

What ID insurance to people round here recommend?

[Zalc]

They still pull your personal credit

Would that help the business get more credit?
Because the liability is spread over multiple people?

[tzifanya54]

Is the 24 months since getting the bonus on a chase card strictly enforced? IE if I got the bonus 22-23 months ago is it the same as if I had gotten it yesterday? Looking for data points either way.

[newdealseeker]

Is the 24 months since getting the bonus on a chase card strictly enforced? IE if I got the bonus 22-23 months ago is it the same as if I had gotten it yesterday? Looking for data points either way.

Waiting for others to chime in with data points, but your post reminds of the time when I applied for an Amex card just days short of the 12 month timeframe...

[tzifanya54]

Waiting for others to chime in with data points, but your post reminds of the time when I applied for an Amex card just days short of the 12 month timeframe...

Right, good example Amex went to the day. I'm just not sure how chase does these things. I'm also not sure if it's from the time you open or the time the bonus actually posts...

[CS91]

Right, good example Amex went to the day. I'm just not sure how chase does these things. I'm also not sure if it's from the time you open or the time the bonus actually posts...

I believe it's from the time that you earn the bonus.

[newdealseeker]

Right, good example Amex went to the day. I'm just not sure how chase does these things. I'm also not sure if it's from the time you open or the time the bonus actually posts...

If it's 22-23 months already, I would be scared to risk it. You've waited long enough...
Unless people here will respond from personal experience otherwise.

[Wizard]

Underwriting is similar to recon, but you can't talk to them. Don't worry about the pulls.

Hi - wanted to update: that I got approved for the SPG Business after requesting underwriting/reconsideration. Never thought that would happen after the amount of reason I was denied originally. Thank you David Smith and e/o else that helped

Some random questions:
1) Does Amex raise the credit limit on its own after a few months of good payments? Have a relative who has 1k limit since for Amex card 6 months ago...
2) Are business cards counted toward Chase's 5/24 rule?
3) Should I be keeping all the paperwork that comes w my new card (i.e., cardmember agreement)?
Thanks in advance!

[David Smith]

Hi - wanted to update: that I got approved for the SPG Business after requesting underwriting/reconsideration. Never thought that would happen after the amount of reason I was denied originally. Thank you David Smith and e/o else that helped

Some random questions:
1) Does Amex raise the credit limit on its own after a few months of good payments? Have a relative who has 1k limit since for Amex card 6 months ago...
2) Are business cards counted toward Chase's 5/24 rule?
3) Should I be keeping all the paperwork that comes w my new card (i.e., cardmember agreement)?
Thanks in advance!

Is this the partnership or sole proprietorship application?

[Wizard]

Is this the partnership or sole proprietorship application?

I only sent the sole to underwriting, thanks to your advice...

[emjee]

I only sent the sole to underwriting, thanks to your advice...

Awesome ! Congrats !

[emjee]

Okay; I still consider myself a n00b in alot of areas, so I have Q for the pros here . your advice and help would be extremely appreciated.
Q: A family member of mine about 17 years ago failed to pay his amex bill of about $4k. The account was closed by amex and hasn't had amex ever since (didn't even try to apply again). The Q is; if he applies again now for a few cards, do you think that he's either black listed or that even if he is approved that they'll come after him for the old debt? (I'm not so nervous about the bonus bc it seems to have been voted that "lifetime" is 7 yrs.) ..what do you guys think?
TIA for your input !