I did a personal AOR last year. I have 5 hits on Experian that will disappear late summer. I have locked Experian in order to work some sort of business AOR. The idea is to do a business AOR now and come back by the fall with a personal AOR where I will unfreeze Experian. My problem is fiquring the right mix of cards. My purpose is to get of some 0% on purchases or Balance transer with as small as fee as possible.

I know the Elan cards are 6 months but thought they could be handy as I am not sure what cards I can go for. Generally speaking I know that Biz AORs are great but I think that you might be even more limited as to what cards/companies to go for.

Personal apps seem to have a wider variety of products which end up giving most a higher average per card approval as well. My last AOR was mostly personal cards. The money is valuable to me because I use it for business purposes, IE inventory, and cash flow needs. AOR money has reduced my business bank line of credit to zero. The banks can go to hell.

Also my biz partner did a mini biz AOR recently. Not sure if I can use any of the same apps.

Current FAKOS EQ:787 TU:787

So far I came up with this short list:

M & T ELAN
CAMBRIDGE TRUST ELAN

National City-Business partner got 9K from them with my biz adddress. I can use my personal address with them?

CAP One Business Plat with No Hassle Miles-will this work if they cant pull Experian?

Advanta? I have been turned down by them in the past because biz partner has the card. Should I use my home address?

Bankatlantic-I have a personal Juniper Card with them BT ends May. Should I try now or wait until that is paid in case they say sufficient credit. Biz partner got 25K on this card.

Chase Business- Maybe one of these cards. I have one Chase biz already with zero balance.
AMEX- Experian frozen so I cant use them at this point.

I have Citi Business already. I have discover cards with zero balances but they pull Experian and they are pretty tight on lines anyway.

I appreciate any ideas or suggestions.

Rob

It seems your thinking that you can only have 1 chase, citi biz card. Load up on chase and citi cards, I was able to get 3 citi biz cards since Nov., I had credit issues until the middle of Jan.. You don't have issues.

I'm sure you've read Venturions AOR, if not, you should!

CRAP1= I froze experian and TU and applied for my crap1. Instant approval (1 pull on EQ). I only froze TU for about 10 minutes, after my approval I unfroze TU. I actually closed a 5 year old personal crap1 for 800, I was approved for the CRAP1 biz card for 5,000. Many people get $hit lines with crap1, 5K is actually on the high side of the average crap1 approval. They still SUCK!

BankAtlantic is personal score driven (No biz credit report pull, I think) So go for it.

Your going in the right direction, but your missing alot of whats going on. You have alot of homework to do!

There is some good info here (Biz consolidation thread) I don't know if you've already read those threads.

EDIT: Do you have business credit reports?

I'm going to get a Homedepot master card and a keybank master card. No Person PULL and it will help on your biz reports utilization.

For real businesses it's very easy to get 25,000 after a short time with them. The rates suck but they're great for making purchase for the business and you get a month interest free.

They are both backed by CITI but they do not go against you in anyway.