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Before You Fill Out a
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Fun with Business Credit Cards

Protecting Your Identity:
Credit Card Application Fraud


Ariline Credit Cards

Before You Apply for a Credit Card:
Establishing a Good Credit Report


Building Rock Solid Credit
While You're Still In College


How Business Credit Cards
Effect Your Credit Score


How To Get a Cash Back Credit Card
and How It Effects Your Credit


How To Get A Credit Card
If You Have Bad Credit


Little Known Secrets
of Payday Loan Stores


Secrets To Low APR Credit Cards

Using Your Credit Card
To Pay Your Taxes


Low Interest Credit Cards:
The 0 APR Credit Card


How to Apply for a Credit Card Online

0 APR Credit Card: What's the Catch

Choosing a Credit Card

Credit Cards: Friend or Foe?

Why Your Credit Report Matters

When Should You Apply
For a Credit Card


Virtual Credit Cards in the Future

Understanding Credit Cards

After You Apply for a Credit Card:
Staying Out of Debt


After You Apply for a Credit Card:
Staying Out of Debt


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How to Save with Credit Cards

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Apply For A Credit Card
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How To Get The Best Deals
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Apply Credit Card Use
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Apply For A Credit Card
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Apply Credit Card Rules
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Apply Credit Card Knowledge
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Apply Credit Card
That Rewards You


Apply Online For A Credit Card
But Be Aware Of Card Scams


Choosing A Debt Management Service
To Deal With Your Credit Cards


Choosing the Right American Express
Business Credit Cards


Apply Credit Card Online Safely
To Your Life


Credit Card Application:
Making Sense of The Interest Rates


Dispose of that Credit Card
Application Today!


Finding The Right 0 APR Credit Cards

How To Get Approved When
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Important Things To Know Before
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Where Is The Perfect
0 APR Credit Card


Top Three Reasons You Should Apply
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Which Credit Cards Are Right For You?

Making A Low APR
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Things To Remember About 0 APR
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Terms To Know Before You Apply
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Paying Off Your Credit Cards

Making That Credit Card Application -
The Facts You Really Need To Know

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Business credit holds a lot of promise for small business owners, but comes with some caveats. Before anyone gets too excited, allow me to temper your enthusiasm by saying most business cards are going to be based primarily on your personal credit scores for companies with less than 1 million dollars in revenue. If you are just starting out, then your personal credit will almost certainly be the prevailing factor as far as you getting approved.

For the beginner, your jaunt into the business credit realm starts with Dun and Bradstreet, the business credit bureau. Experian also has a smaller business directory as well, but D & B as they are called is king. The first thing you need to get is a DUNS number. A DUNS number is needed for any business to report, and the number is free.

Your goal is to get a Paydex score. A Paydex is a business FICO that ranges from a low of 0 to a high of 100. The goal is a score of 80, which equates to a 700+ FICO. Beware of the hard sell for credit builder. The reps will call and send emails incessantly trying to get you signed on for this credit builder program. They'll tell you that you only have a marketing file and you absolutely have to buy this program. The fee for the program will change from the $700 rang to the $200 range and everywhere in-between. The truth is that companies report automatically, you can easily get a Paydex score for free, and the hefty commission for hawking the credit builder product is the motivation for the reps. In general, you need 5 companies to report to get a Paydex.

Credit scoring is also different than personal scoring. The main variable is how soon you pay something off. If you buy something and wait 30 days to pay it, your score will be lower than someone who pays it off in 5 days. Larger accounts count more than smaller accounts, so someone with a 100k balance will get more points for paying it off than someone with a 5k balance.

Finding companies to report is fairly simple. Start with the basic office supply companies like staples, office max, office depot, and Viking. They give easy credit to just about anyone and report. Wait roughly 45 days for these companies to report.

Once they report, move up to the Home Depot, lowes, and Dell level. These are slightly harder to get credit from, as they typically want to see a few positive trade lines first. Again, wait the requisite 45-60 days for all these companies to report before moving up to the next level: general use credit cards.

Getting a general use, regular credit card is much harder. Many companies look at both your personal and business credit scores, although some may only need to glance at your business scores to get an approval. Citibank generally will give you a general use card if your business credit file is strong enough. I personally got approved for three business cards with CITI and only had to endure one credit pull.

Advanta offers really great business credit card offers, with a lengthy promotional APR period, low rate afterwards, and overall very favorable terms. The flipside is that Advanta is also one of the most picky credit issuers, and they base much of their approvals almost entirely on your personal score. If you have any personal credit woes, you'll probably be declined, and this includes having more than 6 inquiries in the last 6 months, too many new accounts, or balances that are too near their limits.

There are two major benefits to having business credit cards. First, they don't report to your personal credit, unless you default, so expenses you may have bore that made you appear to be more risky or close to your credit limits will not show in the future. Secondly, many business cards come with travel and other rewards programs for gifts, concert tickets, or healthy cash back percentages.
Business credit holds a lot of promise for small business owners, but comes with some caveats. Before anyone gets too excited, allow me to temper your enthusiasm by saying most business cards are going to be based primarily on your personal credit scores for companies with less than 1 million dollars in revenue. If you are just starting out, then your personal credit will almost certainly be the prevailing factor as far as you getting approved.

For the beginner, your jaunt into the business credit realm starts with Dun and Bradstreet, the business credit bureau. Experian also has a smaller business directory as well, but D & B as they are called is king. The first thing you need to get is a DUNS number. A DUNS number is needed for any business to report, and the number is free.

Your goal is to get a Paydex score. A Paydex is a business FICO that ranges from a low of 0 to a high of 100. The goal is a score of 80, which equates to a 700+ FICO. Beware of the hard sell for credit builder. The reps will call and send emails incessantly trying to get you signed on for this credit builder program. They'll tell you that you only have a marketing file and you absolutely have to buy this program. The fee for the program will change from the $700 range to the $200 range and everywhere in-between. The truth is that companies report automatically, you can easily get a Paydex score for free, and the hefty commission for hawking the credit builder product is the motivation for the reps. In general, you need 5 companies to report to get a Paydex.

Credit scoring is also different than personal scoring. The main variable is how soon you pay something off. If you buy something and wait 30 days to pay it, your score will be lower than someone who pays it off in 5 days. Larger accounts count more than smaller accounts, so someone with a 100k balance will get more points for paying it off than someone with a 5k balance.

Finding companies to report is fairly simple. Start with the basic office supply companies like staples, office max, office depot, and Viking. They give easy credit to just about anyone and report. Wait roughly 45 days for these companies to report.

Once they report, move up to the Home Depot, Lowes, and Dell level. These are slightly harder to get credit from, as they typically want to see a few positive trade lines first. Again, wait the requisite 45-60 days for all these companies to report before moving up to the next level: general use credit cards.

Getting a general use, regular credit card is much harder. Many companies look at both your personal and business credit scores, although some may only need to glance at your business scores to get an approval. Citibank generally will give you a general use card if your business credit file is strong enough. I personally got approved for three business cards with CITI and only had to endure one credit pull.
Advanta offers really great business credit card offers, with a lengthy promotional APR period, low rate afterwards, and overall very favorable terms. The flipside is that Advanta is also one of the most picky credit issuers, and they base much of their approvals almost entirely on your personal score. If you have any personal credit woes, you'll probably be declined, and this includes having more than 6 inquiries in the last 6 months, too many new accounts, or balances that are too near their limits.

There are two major benefits to having business credit cards. First, they don't report to your personal credit, unless you default, so expenses you may have bore that made you appear to be more risky or close to your credit limits will not show in the future. Secondly, many business cards come with travel and other rewards programs for gifts, concert tickets, or healthy cash back percentages.

For success, make sure your personal credit is clear, and follow the tips listed above. It doesn't take that long to build a business Paydex of 80, probably only 4-6 months at the most.

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