Looking to get into business cards now as a sole proprietor, but with no income from that yet (I want to garden to get the citi strata elite at the end of the year). Anyway the triple cash would be my first ever business line of credit, seems like a very solid sign up bonus to go for since im all about cashback currently and not a very high spender.
I currently make $45k annually and my fico 8 scores are TU:778 EX:776 EQ:798
I am looking to apply after may 13th as that will put my new accounts at just 2/12 and 0/6, additionally usbank pulls experian for me and my inquiries will also be down to just 2/12 after that date. (However I am still 6/24 with new credit card accounts)
I hear USBank relationship matters a lot, so I have opened a checking account with them at the start of march, does close to 3 months with their checking seem good enough to help my chances? Additionally, im not sure this counts since it is a co-branded card but I did get a kroger card with them last September.
I was looking at doing the AZEO method as well and keeping a balance only on my Kroger card with them to try as best as possible to be in their good graces when applying. Is this a good idea or unnecessary given my credit score numbers? Also how far in advance do I need to have all my other balances cleared to be sure AZEO is how it would show when they look at my file upon application? Is only a couple days beforehand gonna do the trick or should this be done like a month in advance?
Sorry this got long and has lots of questions thank you for any answers in advance!!
How to maximize approval odds for USBank Triple Cash?
byu/cadentoob inCreditCards
Posted by cadentoob