I appreciate your answer and thanks for the info. Now another question for you pro's out there =) It's about HSBC..is there a difference between Household Bank Credit Cards compared to HSBC credit cards..? I know they have Orchard also..what I'm getting at is..is it possible to have more than 2 cards from them..? Like having two issued by HSBC and getting another one..? I have the older Household card and the other one American Dream I believe it's called issued by HSBC also..Any info is appreciated! Thanks, Brandon

First, in order to not get your personal credit pulled-(personal guaranty) you need to incorporate, then for most you need a credit rating of atleast an 80 w/ dun and Bradstreet. Meaning to you need atleast 3 reporting trade lines. given the credit crunch- economy crisis- alot of vendors- like Staples who use to give credit easily are requiring your business to have a 2 year credit history now, or a personal guaranty. Start w/ these vendors- Uline, Gemplers, Seton and Quill. They may not sale what you are looking for; but buy things for like 40 bucks per Vendor. They report the fastest. remember to pay ahead of time for a faster credit boost. Also remember that biz credit is per day NOT per month- So its alot faster to build. And to start a Corp. to keep your personal finances safe/ seperate from your biz- That's a great protection from lawsuits, etc. drop me a line for more info!!

Hey everybody! Just had a quick question..I've been reading up on Business Credit cards and was wondering would it be smart to try to get one even though I don't really have a small business aside from selling stuff on Ebay from time to time..lol and if anybody know what kinda scores you need or stuff like that..? Thanks, Brandon

Maybe equifax is being slow... we will see next month. i do use the cards every month though. on my one card, every month for the last 8 months transunion and experian say o.k. on payment history every month. equifax says no data for the same 8 months on the same card.

I just noticed too, that both of my credit cards show as open current accounts on equifax, but on 24 month payment history, shows no data every month. both others show my payments every month on both accounts. does this mean i am also missing the points for on time payments with them too?

That is normal, sometimes if there is no activity the creditor won't update every month. It should not be affecting your score. But you do want to make sure that you are using your accounts every 3-6 months or the creditor could close it for inactivity.

Hi everyone. just got an alert that my credit report changed through my monitoring service. i pulled a new report, and saw that the new account that i opened at a jewelery store was now reporting. last month my scores were 515, 515, and 509. with the new account, utilization dropped a lot, and good payments on three accounts were also posted. my scores are now 543, 552, and 509. i wish they reported to equifax! since they dont report to equifax, is there any way i can get the new account on it too, even though they dont share info?

You know for a fact that this jewelery store does not report to equifax or you just think that because maybe they have not updated their tapes yet? Equifax is notoriously slow to update which is why so few companies use them as a primary bureau.

I just noticed too, that both of my credit cards show as open current accounts on equifax, but on 24 month payment history, shows no data every month. both others show my payments every month on both accounts. does this mean i am also missing the points for on time payments with them too?

Hi everyone. just got an alert that my credit report changed through my monitoring service. i pulled a new report, and saw that the new account that i opened at a jewelery store was now reporting. last month my scores were 515, 515, and 509. with the new account, utilization dropped a lot, and good payments on three accounts were also posted. my scores are now 543, 552, and 509. i wish they reported to equifax! since they dont report to equifax, is there any way i can get the new account on it too, even though they dont share info?

I have a Chase PerfectCard with a $2,000 limit and a Citi Secured Card with a $200 limit. I was wondering on which card I should give more usage. Knowing that Citi will be in business in the next 2 or 3 years, I would give my Citi Secured Card more usage and build a strong relationship with them.

Thing is if Citi survives this whole mess, they will treat me better as a customer than Chase. Chase is known for high interest rates and hard pulls for CLI requests. On the other hand, Citi gives CLI's every 3-6 months without a hard pull and gives you a chance at lowering your interest rate. I would say Citi is more of a customer favorite than Chase.

I have never had a problem with Chase or Citibank. In fact, my Chase MasterCard is 8 years old this year, about 7 years ago they changed my APR from variable 11.9% to 7.99% fixed and they have not touched it since (knock on wood). And when I had a problem with online account management, this guy from Chase called me and walked me through it-and he was American (or at least Canadian). Citibank will mess with your APR's over the years-but-they will do almost anything in reason for an established cardholder. I have always had my APR's reduced and CLI's when I have asked. Honestly, I have had more problems with BofA then any other issuer.

Looks like Im due for a CLI this month or next then.

My increases generally came every 4 months, always $50.00 per increase and never a fee to do so, I was hoping that my anniversary it would jump to $600.00, but who knows:cool:

Ok....I have a Tribute card that I got back in January.I pay before the due date every month,sometimes twice a month,always more than the minimum..obviously,with no hint of a CLI.Ive called & inquired to no avail.Just wondering how long it took for the rest of yall,(yea Im from the South) to see a CLI from Tribute.
Thanks
ohwoody

I went online today to check my Tribute account since it is a year old to see if I got hit with the $150.00 annual fee or maybe another increase and I noticed that they are issuing me another card. The reason I am concerned about this is because my card doesnt expire until 2011, I was just wondering if anyone else has noticed this that my hold this card. So far they have been great to work with, payments post fairly quick as well as steady credit limit increases!

Your words ars so strong because I plan on dealing with them in the future becaue of what I have learned about them https://www.financeglobe.com/Finance/cardstatusdetails161.php everyone please feel free to read

I have a Chase PerfectCard with a $2,000 limit and a Citi Secured Card with a $200 limit. I was wondering on which card I should give more usage. Knowing that Citi will be in business in the next 2 or 3 years, I would give my Citi Secured Card more usage and build a strong relationship with them.

Thing is if Citi survives this whole mess, they will treat me better as a customer than Chase. Chase is known for high interest rates and hard pulls for CLI requests. On the other hand, Citi gives CLI's every 3-6 months without a hard pull and gives you a chance at lowering your interest rate. I would say Citi is more of a customer favorite than Chase.