My setup is Amex Bus Gold, BBP, Delta Bus Platinum, and Capital One Spark. My spend on any one of them, far overshadowing all my personal cards combined.
Just got the BBP. I don't know why I didn't get it sooner. Best everyday spending card with no annual fee that earns points I think. Only downside is up to $50K, but I don't quite reached that limit with my current situation.
Not sure if you would reply but if one has multiple businesses like 1) Freelancer but not active for 2 years 2) App Developer with active App on App Store but not generating revenue 3) RUclipsr with no significant income 4) Various website owner but with no revenue, can we put all of it in the application or has to choose one (I think we have to choose one) and if choosing one, which one should we choose?
It would be good to do an analysis of the websites interfaces of those cards, specially because for business people what matters is the capacity of the card to help to categorise expenses
Just a heads up. Tried the sole proprietorship route with just buying and selling things and got denied. Credit score is 800+ and already have 3 chase credit cards. Tried to get a reconsideration and denied due to not enough history of business activity and or no business checking Accounts on file
If I have investments that pay dividends as a second income stream, can I count that as a business? Obviously, I wouldn't be buying investments with a CC but investing is something I do regularly that has made me money.
Can I use a business card as my everyday card for non business related stuff? I wanted to get the Amex blue business card with the Charles Schwab Amex Platinum for 2.5%cash back on everything. Please advise!
Not supposed to, but no one is going to stop you. But just remember the insurances provided by business cards will only cover genuine business expenses
For a business, do banks usually dislike credit repair companies or they don't really care as long as you have a relationship with them and pay off credit cards on time?
Excellent video. I am planning on getting the Ink Unlimited soon to charge expenses for my website, along with a Chase Military business checking account (free for veterans). I started my business just as the pandemic hit using the cashback card I had at the time (earning 1% - OUCH 😣😣), before I learned about credit/business from folks like you, Ask Sebby, TPG, & ListenMoneyMatters. I know Chase has tightened standards on most business card applications of late, but do you know if they've relaxed a bit lately? I am planning to file as an LLC anyway (for many reasons), and that will surely help if I've set up a Chase business checking account and have my LLC papers/EIN in hand.
Why would anyone want a business CC without a somewhat legit business? Say you earn 50 bucks driving Uber last week, do you really need a business CC to track your $15 gas expenses? To me it is just a lot of headache. But if you have a rental property it will make sense to charge all the repairs and other expenses on it because it gets very costly by the end of year.
QUESTION: Can I pay my personal residence Property Tax with a "Business" credit card (for startup spending requirements & points)? Or, should I use 'Plastiq'?
Worked for one of business credit card companies selling small, business cards, for many people asked this question, and every response was you need a business to apply because an federal tax id is required to apply though there isn't anyone preventing you from using personal expenses on business card but separating your expenses makes it easier come tax time.
Good info. Is it true that Chase recently started accepting sole proprietorships for Ink cards again? I've been a delivery driver for 3 months now. I think I should have made a business checking account with Chase when I started lol
I had a question I'm trying to get a business credit card I do not have my entity file because I'm generating money but I'm not generating a lot of money I do have an EIN I do have a but I wanted to start putting my business credit do I have to have a business bank account in order to start doing that and what would you recognize start for a new business I deal with food catering / food prep
impressive contents. I can remember how I started investing Bitcoin into forex with the help of Ben Cesaro. on my behalf I have no lost, each week I profit $22,000 by investing $2000 safe and secure, contact him and start @Ben_uptrade
I've been freelancing for the last few years as a web developer and it just hit me that I do actually qualify for a business card. Am I an adult now? Super helpful video, thank you!
Hey Credit! I have a question. I have the gold AMEX card and I got the sign up bonus, if I were to sign up for the platinum card would I get the sign up bonus?
Being that I've been a victim of identity theft and my credit is TRASHED how can I go about getting my credit re-established? Also I've tried to get some secured credit cards and been denied cause of my credit score and the identity theft, so what would you recommend for me to do?
Hey, can you make a video of this case: applying for a credit card (amex cash magnet) but then later regretting it and don't need it anymore. obviously not a good idea to close credit card accounts but what's the best change to card you suggest? (already owning platinum too) ... maybe another card that gains MR point? any suggestion?
I have this situation with the rose gold card. I should have cancelled right away now I have screwed up my benefits ratio. It’s not always bad to cancel one. In some cases it makes sense. Just depends on the details of your overall credit portfolio and the impact it will have and what cards available to you without it
Having said that you can absolutely start your path to financial success and financial literacy. And also if you have any savings and put money away now in investments you can make out like a bandit if you just leave it alone for 30 years. How old are you? You have a social media or email? If so and want to chat I’m glad to
You need a business in order to get a card. I’ve tried many times and been declined many times and I’ve been a member with them for 3 years already. NO social security number doesn’t work when it asks you for your tax ID business number. You need legit paperwork and money flow. And if you are an existing member IT will count as a hard inquiry. They don’t count it as a soft when you apply for a business card. Been approved more then 5 times with there normal cards with no inquiry when you become a member.
I think it really depends on the business income and credit score. EIN might help, but if you have an EIN and low business income, then i think you'll still get a low limit
impressive contents. I can remember how I started investing Bitcoin into forex with the help of Ben Cesaro. on my behalf I have no lost, each week I profit $22,000 by investing $2000 safe and secure, contact him and start @Ben_uptrade
RUclips actually inserts the ads automatically. He could either turn off ads or manually remove annoying middle ads in each individual video which who take forever. Unfortunatly RUclips aka Google is becoming greedy and are currently pushing more ads and more double unskippable ads. They want you to buy RUclips Premium, which is still increasing in price.
what if I just started an online business but have no money coming in yet, but I have had an offline Business for 18 years, should I fill it out for the Offline business of 18 years, but actually use the card for both business, does that make sense?
850/850 perfect FICO score and the next day I get another pre-APPROVED (not prequal) sapphire preferred/reserve invitation. Do those even do a hard pull at that point? I literally am pre-approved for every chase card
Ruben Chavez lots has changed and genuine Pre-approvals have been scant lately so I always rather ask than to be sorry. Plus like the guy below you some suggest that unless they send you a letter it’s not a pre-approval and may still have a hard pull so it just never hurts to ask with so much info out there
@Fee Let me help you on this... Pre-Approved Offers mean you are qualified for what the Card Issuer consider to attract you as a customer. They usually get information (sold to them) from CRA or Sagestream. Initially they do a Soft Pull to pre-qualify you, But when you decide to take the “offer” big Issuers like Chase need to make sure (for various reasons) that your credit profile hasn’t changed since they made the offer (5/24, address match, debt %). Chase almost do Hard Pulls on almost anything you request like credit limit, new offers, etc. While American Express do only 1 initially and the rest are soft pulls. Other major banks like Citibank, BoA, C1 offers do a hard pull. This is not a standard for everyone, but it’s factual for me. I have 16 personal active accounts & 4 business accounts and many already closed. So My experience may be different than some but I know my stuff.
So, you can just set-up an LLC and a business checking account and they will start giving you business credit? Don't they check if you have a genuine running business with sales and expenses or at least a prototype etc?
Ashfaq Sheikh With a business credit card, the bank is offering to lend you money up to a certain amount for a period of time. You as the borrower don’t have to spend to that limit, or at all on the card. With mortgages, you the borrower have already accepted the money from the bank and thus, they expect to receive regular payments over time. In general, the banks are less risk adverse with issuing credit cards over mortgages because there is less money lent out on average to borrowers.
@@ezioaltairac Business credit and mortgages are two different species. I get it. My wonderment is about banks lending money to a newly minted business entity i.e just an incorporation, no business transactions. Sounds unreal.
@@Shawk95 The bank holds you personally liable if you apply as a Sole Proprietor, on their end it's not much different as offering you a personal credit card
What would you say are the best business credit cards for someone to get with scores just above 700? I do have a business, but I was declined for the Inc card.
The following is a tangential and disjointed, hardly topical rant at times and me getting steam off from having every recon and success and data point I see run my face in my loyalty and work: I have been with Amex two years and they have given me nothing... no wait, they proved to me how full of shit they were in February or March I believe when my credit score dipped for a few days and in spite of it having been high for much longer and never truly having good reason for denying me clis or card applications, and the customer service Reps always being frustrated and baffled or making up some false authority like oh I see your ... NO! How are they going to take me from 2000, am already unusable number to 1000 and then act like they were being dubious and presenting me wiht a potential option a week later... WHICH WAS SO INSULTING BECAUSE THEY PRESENTED A PAYMENT OF 750 in the next three months as somehow a task when I demonstrated my ability to pay 7k by paying down my card over and over for three months in a row totaling 21k.... what the hell! So they pay super close attention to nonsense I can’t know but they don’t even realize I have demonstrated my ability to pay and alwuss have and never given reason to doubt it. I feel like they are just screwing with me at this point. I have a 733 756 761 range of scores (FICO 8s from subscription to Experian which I monitor daily and have for two years)... I have been patient with Amex for two years. I have tried keeping utilization low during soft pulls but always always PIF and it is extremely frustrating because I’ve related to Amex that I have 2 million dollars in inventory I have a proven track record for sales with (making 3-5 k on eBay passively with only a percent of a percent of a percent of my inventory listed) and I keep my debt at zero percent... I have no late payments or derogatory marks. I have 30 inquiries most of which I derived from two months in hell with a dubious ram dealer when buying a truck to take care of logistics moving the metal mesh stacking pallets as many as thirty at a time on a hotshot trailer as they are stuck in Mississippi and I pay almost 1000 a month for 5k square feet of storage space for them to basically burn a hole in my pocket endlessly since September of 2019... I could be easily clearing 5-10K worst case scenario no problem but no matter what I do I cannot get a single cli or card from Amex other than my initial blue cash everyday at 2k cl. It is so frustrating and absurd reading data points... I’m literally at a loss. My denials are obviously bullshit because the only issue I get is “too many creditors recently accessed your credit” blah blah explanation and then the four made up subsequent answers, such as: your balances are too high for your limits... oh zero is too high. Whoops. At one point I demonstrated three months of paying off 7k on my card paying it down four times so my statement read totals with zero balance statement. I get my hopes up every time I think there is no way they will sent me this time... I literally have wasted so much time trying to get them to do anything fair for me. It’s so frustrating to be potentially realizing my full business plan which would be along the lines of not only pro audio, amplifier and hifi components sales but manufacture of capacitors, audio input, output and power electrical steel mesh cut c core and toroidal transformers with steeger, wardwell and New England butt braider harnesses and lead dressings... anyway, the only debt I have is my business truck which I got In order to bypass expensive freight shipping for round the country large inventories related to vintage pro audio and electronic test equipment, or tube inventories and down to all parts of manufacturing, planning to make very small runs of modular tube consoles that won’t be as stupid as busby which is a horrible crowd funded Canadian scam artist who used the funding to buy his tooling and work out his r&d I. Lieu of making sure he had viable prototypes and proven concepts that were temporally and economically feasible. In the end, I feel I’m at a bit of a disadvantage since any inheritance from my fathers estate which was mostly derived from manipulating and controlling everyone else’s finances were essentially destroyed or seized by the fed after they had... a rather sanguinary disagreement resulting in the brutal ends of my siblings in 93. I don’t feel it is right to exploit the situation for money but I swear everyone else does: that fictional caricaturist defecate they recently came Out in parts from paramount, previously from spike tv and produced by the one and only Weinstein.... Anyway, when I experience endless difficulty and my data points are just polar opposites of others... like why the hell cant I get a cli without any reason not to give me one? It is so frustrating. The algorithms are so invasive and yet lacking context or any sensibility. It is wrong to have replaced CSR often with an obvious barrier as they only serve as a human element to reiterate the algorithm without any interpretation that maybe thus isn’t alarming in context by a real human. The most frustrating part of all of this is having my plans in order, but having put together the llc last February has been a trivial mess contingent upon my actual Leasing a warehouse space locally so I can begin moving but even brokers are sparse. I just want one thing to go right for me with this. I feel like there’s more unwritten risk factors that I am raising because of
Words cannot express my feelings, nor my gratitude for this video. Jamie did a great job. I really appreciate it.
thats awesome! how do I contact him please?
My setup is Amex Bus Gold, BBP, Delta Bus Platinum, and Capital One Spark. My spend on any one of them, far overshadowing all my personal cards combined.
Just got the BBP. I don't know why I didn't get it sooner. Best everyday spending card with no annual fee that earns points I think. Only downside is up to $50K, but I don't quite reached that limit with my current situation.
I have a rental property, which IS a business - there’s an idea for some people - rent out your garage..etc.. air BNB
Thanks for your video, really made me consider the advantages of keeping business credit cards in mind. Loving the content!
Not sure if you would reply but if one has multiple businesses like 1) Freelancer but not active for 2 years 2) App Developer with active App on App Store but not generating revenue 3) RUclipsr with no significant income 4) Various website owner but with no revenue, can we put all of it in the application or has to choose one (I think we have to choose one) and if choosing one, which one should we choose?
It would be good to do an analysis of the websites interfaces of those cards, specially because for business people what matters is the capacity of the card to help to categorise expenses
Was I the only one that 😆 when he showed that old car? Lol?
Just a heads up. Tried the sole proprietorship route with just buying and selling things and got denied. Credit score is 800+ and already have 3 chase credit cards. Tried to get a reconsideration and denied due to not enough history of business activity and or no business checking Accounts on file
So you saying if I DoorDash on the side, I can apply for a Business CC🤔. That's cool, I didn't know that.
If I have investments that pay dividends as a second income stream, can I count that as a business? Obviously, I wouldn't be buying investments with a CC but investing is something I do regularly that has made me money.
No
Unless you work in a firm that does this or you teach others in paid classes, then no.
Can I use a business card as my everyday card for non business related stuff? I wanted to get the Amex blue business card with the Charles Schwab Amex Platinum for 2.5%cash back on everything. Please advise!
Idk lol
Not supposed to, but no one is going to stop you. But just remember the insurances provided by business cards will only cover genuine business expenses
@@TheCreditShifu Thank you!!
For a business, do banks usually dislike credit repair companies or they don't really care as long as you have a relationship with them and pay off credit cards on time?
Excellent video. I am planning on getting the Ink Unlimited soon to charge expenses for my website, along with a Chase Military business checking account (free for veterans). I started my business just as the pandemic hit using the cashback card I had at the time (earning 1% - OUCH 😣😣), before I learned about credit/business from folks like you, Ask Sebby, TPG, & ListenMoneyMatters.
I know Chase has tightened standards on most business card applications of late, but do you know if they've relaxed a bit lately? I am planning to file as an LLC anyway (for many reasons), and that will surely help if I've set up a Chase business checking account and have my LLC papers/EIN in hand.
Why would anyone want a business CC without a somewhat legit business? Say you earn 50 bucks driving Uber last week, do you really need a business CC to track your $15 gas expenses? To me it is just a lot of headache. But if you have a rental property it will make sense to charge all the repairs and other expenses on it because it gets very costly by the end of year.
QUESTION: Can I pay my personal residence Property Tax with a "Business" credit card (for startup spending requirements & points)? Or, should I use 'Plastiq'?
Pretty helpful video!
Thank you ive been trying to find good information on this
I literally recorded a video on this topic over the weekend. Comes out tomorrow ... everyone needs this type of information 🙌
Worked for one of business credit card companies selling small, business cards, for many people asked this question, and every response was you need a business to apply because an federal tax id is required to apply though there isn't anyone preventing you from using personal expenses on business card but separating your expenses makes it easier come tax time.
If you use business resources for personal you can be vulnerable to "piercing the veil" depending on the context.
Thank you for your awesome videos
Good info. Is it true that Chase recently started accepting sole proprietorships for Ink cards again? I've been a delivery driver for 3 months now. I think I should have made a business checking account with Chase when I started lol
I really want to know too...
Would paying your personal home rent with a business credit card qualify for a “business expense”?
You look like Wolverine
Santiago Carrillo 😂😂😂😂😂😂
I had a question I'm trying to get a business credit card I do not have my entity file because I'm generating money but I'm not generating a lot of money I do have an EIN I do have a but I wanted to start putting my business credit do I have to have a business bank account in order to start doing that and what would you recognize start for a new business I deal with food catering / food prep
Came out just in time!!!!
impressive contents. I can remember how I started investing Bitcoin into forex with the help of Ben Cesaro. on my behalf I have no lost, each week I profit $22,000 by investing $2000 safe and secure, contact him and start @Ben_uptrade
Personal Guarantees though.
Let's say someone is a vlogger then all personal trips could be vlogging material ergo business expenses?
What about having a rental property
Which card do you recommend for buying the PlayStation 5? I was thinking Freedom Unlimited or Flex to get the $200 cash back🤔
Use the Flex through PayPal, next month to get the 5% cash back bonus.
@@gillian32 Or the Discover It right now through PayPal if you have it
@@hopelessdecoy I maxed out my Discover 5% last month thanks to my car insurance. 🏎️
I've been freelancing for the last few years as a web developer and it just hit me that I do actually qualify for a business card. Am I an adult now?
Super helpful video, thank you!
What about playing poker for a living??
Hey Credit! I have a question. I have the gold AMEX card and I got the sign up bonus, if I were to sign up for the platinum card would I get the sign up bonus?
Yes, not for upgrading your gold though, must be a fresh application
I didn’t realize you replied! Thank you!
Being that I've been a victim of identity theft and my credit is TRASHED how can I go about getting my credit re-established? Also I've tried to get some secured credit cards and been denied cause of my credit score and the identity theft, so what would you recommend for me to do?
I would think you could dispute everything on your credit report?
I’m assuming I should be good because I’m a Amazon Flex Driver, and I use my personal vehicle.
Yeah basically anything that is 1099 not W2 counts basically
I paid £13 to set up a business in the UK to get the Amex Platinum for business
Did you put $200 in annual income on your first application? Business spending 👌
I missed the Credit SiFu!
Every single time I got a new CC my score went down by 5+ points......not 2 or 3!!!
Question: can I combine points from my chase personal accounts and chase business accounts? Big consideration for me.
Yes
Hey, can you make a video of this case: applying for a credit card (amex cash magnet) but then later regretting it and don't need it anymore. obviously not a good idea to close credit card accounts but what's the best change to card you suggest? (already owning platinum too) ... maybe another card that gains MR point? any suggestion?
I have this situation with the rose gold card. I should have cancelled right away now I have screwed up my benefits ratio.
It’s not always bad to cancel one. In some cases it makes sense. Just depends on the details of your overall credit portfolio and the impact it will have and what cards available to you without it
@Matthew Kottre Thanks Matt. Do you know if they do a hard pull on your credit for changing card like to Blue Cash Everyday?
You need a busimess to get a business checking acct.
In true American fashion, it's easier to get a credit card than a bank account.
Thank you.
Ok I have a question, as a minor, am I able to grow my credit? Thanks
You can, but not on your own. A parent or someone over 18 would have to add you as an authorized user (if their card allows it)
Alex Presson he wouldn’t even have a report until he was 18, so it won’t even start to help him aside from giving him purchasing flexibility
Having said that you can absolutely start your path to financial success and financial literacy. And also if you have any savings and put money away now in investments you can make out like a bandit if you just leave it alone for 30 years. How old are you? You have a social media or email? If so and want to chat I’m glad to
Alex Presson thanks!
Fee thanks
If I rent out some vacant rooms in my house (as a landlord), does that qualify as a business?
Yes but chase doesn’t approve new real estate sole proprietors right now
You need a business in order to get a card. I’ve tried many times and been declined many times and I’ve been a member with them for 3 years already. NO social security number doesn’t work when it asks you for your tax ID business number. You need legit paperwork and money flow. And if you are an existing member IT will count as a hard inquiry. They don’t count it as a soft when you apply for a business card. Been approved more then 5 times with there normal cards with no inquiry when you become a member.
Are you more likely to get a good CL with an EIN?
I think it really depends on the business income and credit score. EIN might help, but if you have an EIN and low business income, then i think you'll still get a low limit
I have a business and got approved for a Chase Ink card over a year ago. When I apply for second Chase business, I was denied by Chase.
impressive contents. I can remember how I started investing Bitcoin into forex with the help of Ben Cesaro. on my behalf I have no lost, each week I profit $22,000 by investing $2000 safe and secure, contact him and start @Ben_uptrade
Can real estate agents get a business card
Yes
Yo Ben !!! Your a Big RUclips now.. GET RID of the commercials !! There’s too many and they get annoying... just saying 😒
RUclips actually inserts the ads automatically. He could either turn off ads or manually remove annoying middle ads in each individual video which who take forever. Unfortunatly RUclips aka Google is becoming greedy and are currently pushing more ads and more double unskippable ads. They want you to buy RUclips Premium, which is still increasing in price.
Would a vending machine business count 🤔
what if I just started an online business but have no money coming in yet, but I have had an offline Business for 18 years, should I fill it out for the Offline business of 18 years, but actually use the card for both business, does that make sense?
850/850 perfect FICO score and the next day I get another pre-APPROVED (not prequal) sapphire preferred/reserve invitation. Do those even do a hard pull at that point? I literally am pre-approved for every chase card
pre approval should mean no hard pull
@Fee You have an 850 and don’t know this...?
if you apply for the card, yes a hard pull. no way around that. they also may check your income & even ask for POI..
Ruben Chavez lots has changed and genuine Pre-approvals have been scant lately so I always rather ask than to be sorry. Plus like the guy below you some suggest that unless they send you a letter it’s not a pre-approval and may still have a hard pull so it just never hurts to ask with so much info out there
@Fee Let me help you on this... Pre-Approved Offers mean you are qualified for what the Card Issuer consider to attract you as a customer. They usually get information (sold to them) from CRA or Sagestream. Initially they do a Soft Pull to pre-qualify you, But when you decide to take the “offer” big Issuers like Chase need to make sure (for various reasons) that your credit profile hasn’t changed since they made the offer (5/24, address match, debt %). Chase almost do Hard Pulls on almost anything you request like credit limit, new offers, etc. While American Express do only 1 initially and the rest are soft pulls. Other major banks like Citibank, BoA, C1 offers do a hard pull. This is not a standard for everyone, but it’s factual for me. I have 16 personal active accounts & 4 business accounts and many already closed. So My experience may be different than some but I know my stuff.
So, you can just set-up an LLC and a business checking account and they will start giving you business credit? Don't they check if you have a genuine running business with sales and expenses or at least a prototype etc?
They’re giving you a card not a mortgage
@@user-qe8fl7vd6v Sorry no understand.
Ashfaq Sheikh With a business credit card, the bank is offering to lend you money up to a certain amount for a period of time. You as the borrower don’t have to spend to that limit, or at all on the card. With mortgages, you the borrower have already accepted the money from the bank and thus, they expect to receive regular payments over time. In general, the banks are less risk adverse with issuing credit cards over mortgages because there is less money lent out on average to borrowers.
@@ezioaltairac Business credit and mortgages are two different species. I get it. My wonderment is about banks lending money to a newly minted business entity i.e just an incorporation, no business transactions. Sounds unreal.
@@Shawk95 The bank holds you personally liable if you apply as a Sole Proprietor, on their end it's not much different as offering you a personal credit card
Say less
What would you say are the best business credit cards for someone to get with scores just above 700? I do have a business, but I was declined for the Inc card.
Chris Hoffman Did you already bank with chase and are all three scores over 700 fico?
@@optimoefpv2302 I do not bank with Chase. All three scores are just barely above 700.
That’s why, start a bank account or get a freedom card first, build some history with them and try again
Can't wait for Chase to start offering ink referrals again
The following is a tangential and disjointed, hardly topical rant at times and me getting steam off from having every recon and success and data point I see run my face in my loyalty and work: I have been with Amex two years and they have given me nothing... no wait, they proved to me how full of shit they were in February or March I believe when my credit score dipped for a few days and in spite of it having been high for much longer and never truly having good reason for denying me clis or card applications, and the customer service Reps always being frustrated and baffled or making up some false authority like oh I see your ... NO! How are they going to take me from 2000, am already unusable number to 1000 and then act like they were being dubious and presenting me wiht a potential option a week later... WHICH WAS SO INSULTING BECAUSE THEY PRESENTED A PAYMENT OF 750 in the next three months as somehow a task when I demonstrated my ability to pay 7k by paying down my card over and over for three months in a row totaling 21k.... what the hell! So they pay super close attention to nonsense I can’t know but they don’t even realize I have demonstrated my ability to pay and alwuss have and never given reason to doubt it. I feel like they are just screwing with me at this point.
I have a 733 756 761 range of scores (FICO 8s from subscription to Experian which I monitor daily and have for two years)... I have been patient with Amex for two years. I have tried keeping utilization low during soft pulls but always always PIF and it is extremely frustrating because I’ve related to Amex that I have 2 million dollars in inventory I have a proven track record for sales with (making 3-5 k on eBay passively with only a percent of a percent of a percent of my inventory listed) and I keep my debt at zero percent... I have no late payments or derogatory marks. I have 30 inquiries most of which I derived from two months in hell with a dubious ram dealer when buying a truck to take care of logistics moving the metal mesh stacking pallets as many as thirty at a time on a hotshot trailer as they are stuck in Mississippi and I pay almost 1000 a month for 5k square feet of storage space for them to basically burn a hole in my pocket endlessly since September of 2019... I could be easily clearing 5-10K worst case scenario no problem but no matter what I do I cannot get a single cli or card from Amex other than my initial blue cash everyday at 2k cl. It is so frustrating and absurd reading data points... I’m literally at a loss. My denials are obviously bullshit because the only issue I get is “too many creditors recently accessed your credit” blah blah explanation and then the four made up subsequent answers, such as: your balances are too high for your limits... oh zero is too high. Whoops. At one point I demonstrated three months of paying off 7k on my card paying it down four times so my statement read totals with zero balance statement. I get my hopes up every time I think there is no way they will sent me this time... I literally have wasted so much time trying to get them to do anything fair for me. It’s so frustrating to be potentially realizing my full business plan which would be along the lines of not only pro audio, amplifier and hifi components sales but manufacture of capacitors, audio input, output and power electrical steel mesh cut c core and toroidal transformers with steeger, wardwell and New England butt braider harnesses and lead dressings... anyway, the only debt I have is my business truck which I got In order to bypass expensive freight shipping for round the country large inventories related to vintage pro audio and electronic test equipment, or tube inventories and down to all parts of manufacturing, planning to make very small runs of modular tube consoles that won’t be as stupid as busby which is a horrible crowd funded Canadian scam artist who used the funding to buy his tooling and work out his r&d I. Lieu of making sure he had viable prototypes and proven concepts that were temporally and economically feasible.
In the end, I feel I’m at a bit of a disadvantage since any inheritance from my fathers estate which was mostly derived from manipulating and controlling everyone else’s finances were essentially destroyed or seized by the fed after they had... a rather sanguinary disagreement resulting in the brutal ends of my siblings in 93. I don’t feel it is right to exploit the situation for money but I swear everyone else does: that fictional caricaturist defecate they recently came
Out in parts from paramount, previously from spike tv and produced by the one and only Weinstein.... Anyway, when I experience endless difficulty and my data points are just polar opposites of others... like why the hell cant I get a cli without any reason not to give me one? It is so frustrating. The algorithms are so invasive and yet lacking context or any sensibility. It is wrong to have replaced CSR often with an obvious barrier as they only serve as a human element to reiterate the algorithm without any interpretation that maybe thus isn’t alarming in context by a real human.
The most frustrating part of all of this is having my plans in order, but having put together the llc last February has been a trivial mess contingent upon my actual
Leasing a warehouse space locally so I can begin moving but even brokers are sparse. I just want one thing to go right for me with this. I feel like there’s more unwritten risk factors that I am raising because of
NOT FIRST! Lol
If you don't have a business, DON'T GET a business card! You're asking for trouble!