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Cloud Residents · US Credit
750 members • Free
39 contributions to Cloud Residents · US Credit
3d •
american express card
I recently formed an LLC and I'm looking to get into the Amex business ecosystem. I want to apply for an MR-earning card and I'm open to both No Annual Fee (NAF) and Annual Fee (AF) options. However, a 0% intro APR on purchases is a must for me right now. Does anyone have any recommendations or DPs on the best Amex biz setup? Also totally open to strategies or SUB hunting in other business credit card ecosystems. thanks
0 likes • 3d
In every scenario you will need personal credit history (first get ITIN), after that for 6 months create history and it goes more-less easy.
1 like • 2d
@Wilfried Gk Then you won’t have issue getting any card on new LLC. You have already personal card with Amex so BIZ won’t be issue. Just go for it with us clean ip Chase will be little harder since they require to open first time in branch Maybe to go with US Bank Business Platinum. They have 0% APR for 12m also
3d •
Apply for an ITIN
Hi guys, new to the group and just went through the classroom section, I currently have a business Mercury Account, I am thinking of moving to a chase bank business account and also apply for a business credit card. Can anyone help me, how did they apply for their itin?
0 likes • 3d
@Gaston van de Weijer When your documents were delivered, how long did it take to get itin approved?
4d •
Which path is better?
I have Mercury business account, and I am starting to learn business credit card knowledge. There are 2 options, one is building personal credit score till 700+, then apply for business card after that, while the other one is open Mercury I/O to start building credit from zero. I am wondering which one is better? Some experience or advice would be nice, thanks.
0 likes • 4d
Mercury IO only reports if you get monthly limit. If its 24h, then nothing will show. You need 14k in balance to get monthly to keep it.
6d •
12K RAMP limit approved without any Personal Checks
Hello Everyone So I applied for the RAMP charge card and Treasurey account after seeing @Ain - Cloud Resident post and got approved for a 12k limit with a 1000 sign-up bonus. The application was super easy but had to manually upload bank statements as they couldn't verify a 25k+ balance via Plaid. Basically, I use Fidelity business account as my primary and they weren't able to verify details via auto-connect. Anyways, so yeah, I got approved. I'm happy. @Ain - Cloud Resident the Goat
Poll
7 members have voted
1 like • 6d
@Razzaque D.m Congrats! What about your personal credit history? How old is ITIN?
8d •
✅ AMEX Gold, finally Approved
Got approval for my second credit card - this time AMEX, new ITIN, applied as a non resident - online from outside of US with US proxy. First time I was denied for this card around 5 times, luckily they doing only soft pull, so no credit score hurt. History: 1) auto rejection - ITIN too new 2) auto rejection 3) additional auto review: connect bank accounts to check if you will be approved, then rejection - ITIN too new, no FICO score 4) additional auto review: connect bank accounts to check if you will be approved, then rejection - ITIN too new. no FICO score 5) then I finally tried again after 6 months of ITIN: manual review > approved
0 likes • 8d
Congrats What you used to create credit history?
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