Asking for reconsideration could fast track you to a business credit card approval but sometimes you may have to take the slower route. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Typically, the employee gets reimbursed from the company after submitting receipts and expense reports, in compliance with the companys policies. In this scenario, credit card companies will check an employee cardholders personal credit scores and send bills directly to them for payment in accordance with the cards billing terms. It has not been provided or commissioned by the credit card issuers. Content published under this author byline is generated using automation technology. How do I Redeem Membership Rewards Points? With full corporate liability, the company in whose name the Corporate Program was opened (and not the individual Card Members) is liable for all amounts due in connection with that Corporate Program, including, without limitation, all charges made using any card, account access device, or other payment device issued under that Corporate Program. There's no way to know for sure until you go through the process, but yes, it's a definite possibility that you'll be denied. The card issuer will typically do a hard inquiry on the applicants personal credit history to determine creditworthiness. I never filled out a credit app, just a small questionaire from my employer. However, all credit card information is presented without warranty. Please ask questions and contribute to the knowledge surrounding credit cards. I was added to a Small Business account in 2009 when my credit was worsethe system did ask for my SSN but my credit wasn't even pulled. Chat with a specialist to apply and build a program to fit your companys needs. A corporate credit card can be a powerful payment tool for your business. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. All rights reserved, Check for Pre-qualified Credit Card Offers, Credit Intel Financial Education Center, American Express / Business Extra Corporate Card, American Express / Business Extra Corporate Platinum Card, Travel protection for peace of mind on the road, Easy online account access anytime, anywhere. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Re: Corporate AMEX can I be denied?? All rights reserved. We'll send your Application ID to this email address. Also wil this report on my credit report? We included Amex in our Ch. After a couple [of] years of steady cash flow, growth and paying on time, getting business credit cards was no longer an issue.. Other times, you might be able to shift credit from existing accounts to the new card or be able to close an existing account to get your new application approved. If your application for a business credit card was turned down, dont despair you have options. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Your post relieved allllll that stress - THANK YOU! If the statement credit benefit has been applied before CLEAR refunds the charges, that statement credit will be reversed. I am 95% certain that I would just be added to the account as an authorized user and given a card with my name on it. Gathering all required information in advance can make filling out the application faster and easier. Catch unusual employee expenses with real-time alerts. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. Timing issues can cause issues for employees if there is a lag between payment and reimbursement. Therefore, its wise to plan for potential extra time and expenses before starting the application process. Click the "check application" button at the bottom of the page. You can request a copy of your credit report to help you resolve any inaccuracies. Scores 5/15/2016 (clean reports! The CLEAR statement credit benefit applies to this program only. A business credit card can make running your business easier, while potentially earning miles, points or cash rewards as you spend. I was personally turned down for a business credit card because I had applied for a personal credit card from the same company in the same six-month period, says Stacy Caprio, marketing strategist and serial entrepreneur. In Mitchells case, he focused on strengthening the businesss fundamentals and practicing good habits with personal credit. Today's video will be about these three important things one must know if the. I would like to avoid embarrassment with my employer, if possible. At this point, you can save the application and apply later or submit it for review. A review of major credit card issuers programs indicate that annual revenue eligibility begins at $4 million, while others start at $10 million or even $20 million. The American Express Corporate Platinum Card, For the most current Delta Sky Club access and pricing policy, please visit, This benefit is available to American Express Corporate Platinum Card, These Terms and Conditions govern American Express Corporate Platinum Card Members' participation in and use of the Priority Pass, American Express offers access to additional lounges in the Global Lounge Collection where Platinum Card Members have unlimited complimentary access to participating locations. You basically are an authorized user on the corporate account so it's like if someone were to add you as an authorized user to their personal card, you aren't really ever denied for that. How do I Earn Membership Rewards Points? Typical features to consider when choosing the best business credit card for your business include: For more on different types of business credit cards, read Different Types of Business Credit Cards.. American Express application rules typically (though not always) limit you to one Amex credit card approval per 5 business days. To receive statement credits of up to $100 per calendar year toward incidental air travel fees, Card Member must select a qualifying airline at. ), you can enter that annual total. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. ago Reasonable efforts are made Other program applications including, but not limited to, Global Entry, TSA PreCheck. The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. I beleive it is all under one account just another card with another name on it? I was initially denied due to delinquent accounts. One way issuers estimate activity level is by the number of employee credit cards to be distributed. This liability differs from business credit cards where repayment responsibility rests with the business owner. American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. Not only will this help to minimize interest charges, but positive account activity can strengthen your credit score. Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. I made a new hire, and when I tried to add him as an AU, AMEX denied him. For example, your transaction will not be eligible if it is not made directly with the merchant. All rights reserved, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. All rights reserved. As a single data point, in over three years of collecting points and miles, Ive been rejected for 12 different credit cards, and still have a credit score of about 780. The most common reason we see business owners and startup founders being denied credit is having little to no existing credit history, says Dubugras. as an update my employer requires me to use my own personal credit card. Can I be denied even though they have existing accounts and I am just being added? Consider other options. While businesses can usually check their credit scores for free at the credit bureaus, full credit reports may cost money. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). I have one and got one when my credit was not great at all. I've never seen them deny a corporate card for personal card issues. Start narrowing options by identifying the programs with achievable qualification criteria, such as minimum credit scores, company legal structure, or access to personal guarantees. You can tweet us @thepointsguy, message us on Facebook or email us at info@thepointsguy.com. If your application for a Card was declined, you should have received a letter from us letting you know the reasons for the decline. It varies by company ~ sometimes companies may just add you as an authorized user to an existing account.other times you have to apply for your own account thru AMEX. How long did it take for you to get a denial? Breeze through security with CLEAR lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. Keep an eye on your inboxwell be sending over your first message soon. Get ahead of spending with customized spending limits for employees with American Express @Work. American Express Business Products & Services, Business Credit Cards from American Expres. Create an account to follow your favorite communities and start taking part in conversations. For an explanation of our Advertising Policy, visit. Plus, your own feed of TPG content. Can I or will I be denied for the corporate card given that I have an outstanding balance on a personal account?? Please call us at 1-800-567-1083 if you'd like us to review our decision. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. You can also call us at 1-800-567-1083, and one of our Customer Care Professionals can provide any additional information that they may have. How do I Earn Membership Rewards Points? One advantage to applying for an Amex business card is that it wont appear on your personal credit report, which means it doesnt add to your Chase 5/24 count. By providing my email address, I agree to CreditCards.coms For the full terms and conditions for the Corporate Membership Rewards, With the American Express Corporate CashBack. The documents include: Other Requirements: A few corporate credit card issuers may require other qualifications, including: When applying for a corporate card, its important to consider variations in the liability terms of the card agreement. Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. It'll not show up on your credit report either. Yes, American Express does have a reconsideration line for applicants to call and request a second review of their denied credit card application. Alternatively, a secured business credit card can be a way to access credit and build credit history. Keep in mind that we cannot guarantee we will change our decision. For additional information on the CLEAR program, including information regarding the application and/or approval process and for a list of participating airports and stadiums, as well as the full terms and conditions of the programs, please go to www.clearme.com. She began writing for CreditCards.com in 2018, where she authors articles on topics ranging from credit score management to travel rewards to small business credit. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. In exchange for the annual fee, you'll unlock access to the Amex Membership Rewards program that let you access airline and hotel transfer partners, along with new lifestyle and travel credits. Additional reporting by Joseph Hostetler. If I had known they were going to check my personal credit I would have tried to work around this. My employer required me to get a corporate card from AMEX for travel expense. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Uber Cash and Uber VIP status is available to Basic Card Member only. Company contact information including email address, business address, and phone number. I still have the card and I have never had an issue with making any transactions. Looking for a better fit? Even if you only have a part-time side hustle, you may meet the American Express business card requirements. Sometimes . But there are several great Amex business cards to choose from, so youve got plenty of options. 5 Min Read | September 17, 2021. You might. Still, you should make sure you know the rules of any issuer whose cards you're thinking of applying for. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Amex dosen't hp for corporate cards, nor will the card report on your personal credit report. 2023 American Express. Here's how to fill out a business credit card application for American Express. Or, you could opt to earn Delta SkyMiles with one of the business Delta credit cards, offering perks such as priority boarding and a free checked bag for you and up to eight companions. CLEAR memberships automatically renew each year unless canceled and CLEAR will charge the applicable membership fee to the Card CLEAR has on file. Plus, your own feed of TPG content. For example, on-time bill payments can go a long way in improving a business or personal credit score. A company can have millions in the bank and still not get a credit card, says Henrique Dubugras, co-founder and CEO of Brex, a corporate credit card designed for startups. has been a frequent flier for as long as he can remember. These types of credit pulls differ from soft inquiries, which might happen when you open a new bank account or get your credit screened to sign a rental agreement. Like personal credit cards, business credit cards need to be activated before use. 3 Onboard If approved, enjoy the efficiency and control of your new program. Let us know if you have any head-scratchers youd like answered for our weekly reader question series. Basic account application Submit card application To open a corporate account, a basic account application is required as a basis, under which the individual cards are later managed. I have 8 AU's (employees) on my Business Platinum. It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. EQ Fico 8 - 850. If you have requested either a line of credit increase or a balance transfer on an existing American Express card account, please call the number on the back of your card regarding the status of those requests. It is embarressing and I am dreading the reaction from my employer. While you might have success in pursuing reconsideration, its likely youll need to focus on improving personal credit, shoring up your business financials and taking time to regroup before applying again. Improve earnings, maximize rewards and track progress toward dream trips. In all cases, its the corporations credit line. Did they send you an email letting you know the reason? Its a best practice to have every cardholder sign the guidelines. However, sometimes, corporate credit card agreements can include a secondary responsibility from the individual employee cardholders. Privacy Policy. All rights reserved. This is an automated fraud-prevention feature that Amex uses and it will usually apply whether you're applying for personal or business credit cards. If you have requested either a line of credit increase or a balance transfer on an existing American Express card account, please call the number on the back of your card regarding the status of those requests. With the Card you gain access to an array of benefits and services from American Express that help make managing your expenses simpler and more rewarding. However, corporate credit card programs are more complicated than a simple extension of credit, entailing additional application requirements and contractual differences. How to apply for a business credit card without a Social Security number. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. lets you save time and earn rewards on your Card by automating your accounts payable process. Terms apply to the offers listed on this page. I had 7 accounts that had gone between 90 and 150 days late, but I had brought them all current. To help you engage with that corporate credit card specialist, this article explains the three main questions most likely to be addressed: All the major credit card issuers have their own set of requirements, but several eligibility rules are universal. To redeem for statement credit on any of the Corporate Membership Rewards Program Administrator's ("PA's") accounts, the Corporate Membership Rewards PA must either make such request online at corporatemembershiprewards.com or call 1-888-800-8564. Most of the questions here are straightforward, but in the Total Annual Income box, be sure you include all of your eligible income. The benefit is available to Corporate Platinum Card Members. vPayment can help reduce the risk of fraud with transaction-level controls which allow your company to set a specific date range and pre-authorization amount for payments. Stay up-to-date on the latest credit card news from product reviews to credit advice with our newsletter in your inbox twice a week. Reason was delinquent past credit. Credit card issuers will be looking at your history of payments and will take into consideration what type of delinquency and how long ago the delinquency was, says Linden. Some nonprofits and government agencies may also be eligible. However, if you keep at this long enough and apply for a lot of cards, you are almost certain to get rejected on a credit card application eventually. Compare the cost in points or miles to cash, and see which option is best. Card Members are eligible to receive up to $189 in statement credits per calendar year for CLEAR membership when charged to an eligible Card. Business credit cards can also be easier to qualify for than, say, a business loan. It is important to pay them in full and on time. Earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Privacy Policy. So, in this situation, its helpful to focus on these.. Terms apply to the offers listed on this page. Be prepared to offer proof that the denial was based on inaccurate or outdated information, or that your financial situation has improved since you applied. Sure it could happen but if it does it's rare enough that it's never talked about. How do I Earn Membership Rewards Points? Amex credit analysts have the authority to overturn a denied application over the phone, but there's no guarantee they'll reverse the original decision. Application requirements can differ by business credit card program but its a universal criterion that the application must be made by someone who is 18 years or older and authorized to make financial decisions for the company. A secured business card can offer purchasing power when you cant land a traditional business credit card. Before we begin, its important to know that you can only earn a welcome offer for a specific Amex business card once per lifetime. If your application for a Card was declined, you should have received a letter from us letting you know the reasons for the decline. Please call us at 1-800-567-1083 if you'd like us to review our decision. Benefit is available to US Corporate Gold Card Members only. Get premium travel benefits to help make life on the road less complicated. Eligibility requirements include restrictions on business type, thresholds for company size, and expected activity. By Kristina Russo | American Express Freelance Contributor. Step 1: Call the Issuer to Find Out Why Usually, you will get a letter in the mail a week or two after. Any time you apply for a new line of credit, whether its a mortgage, car loan or credit card, the institution you're applying with will "pull" your credit report. $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. To be eligible for this benefit, Card account(s) must be active through the time of statement credit fulfilment. How To Cancel an Amex Application Because American. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Once you have an idea of your credit score, it will make it easier to determine which credit card is the best fit for the company. . Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. I wrote a recon letter pointing out that while I had several late payments, it was due to a period of unemployment and all accounts were now current. Related: The ultimate guide to credit card application restrictions. You have 60 days from the date you were denied to request a free copy of your credit report. If we considered information from the credit bureaus in our decision, the letter lists the credit bureaus that provided us with the information. Amex also issues a range of cobranded small-business credit cards. Some card issuers measure size using annual revenue, while others look at cash on deposit. Enter your full Social Security number (SSN). I beleive like someone else said, that I was just added on as an AU. In a soft inquiry, the other party looks at your credit report but the inquiry doesnt then affect your credit score. Additional reporting by Emily Thompson and Stella Shon. Even if you have to apply for your own card, the standards are probably more lax. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. KristinaRussois a CPA and MBA with over 20 years of business experience in firms of all sizes and across several industries, including media and publishing, entertainment, retail, and manufacturing. Should you get Global Entry or TSA PreCheck? Amex credit analysts have the authority to overturn a denied application over the phone, but there's no guarantee they'll read full answer Secured cards can also come with higher annual fees or annual percentage rates if you carry a balance, both of which can cost your business money. Another way for businesses to boost their credit score is to open trade credit lines with a few suppliers and request that they report good payment history to the credit agencies. Editors note: This post has been updated with new information. The annual fee for the Corporate Platinum Card is $395. The Credit Card Maestro 32.8K subscribers Join Subscribe 25K views 2 years ago #amex #americanexpress American Express DENIED my. I believe as long as you haven't burned AMEX in the past, you're good. If youve applied for a business credit card and been declined, heres what to do next. Feel the backing of our world-renowned customer service. Even if you dont know your Chase 5/24 status off the top of your head, its worth taking some time to sit down and figure it out instead of just applying randomly and hoping for the best. articles, Do Not Sell or Share My Personal Information. I have to travel out of the country a lot so the AMEX was needed since I didn't have any credit cards. Your Card provides you with a convenient and reliable expense management tool for all your business purchases. TU Fico 8 - 850. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Some card issuers set the minimum number of cards at 15. I have also found the credit analysts to be the most lenient at Amex vs. the other big banks. 7 BK. If American Express does not receive information that identifies your transaction as eligible, you will not receive the statement credit. And this was in early 2009. If you are any kind of business owner, follow our steps above to apply for an American Express business card to be well on your way to getting even more rewards. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Since the company is the applicant, each required document is for the corporation, not its owners or executives. It's important to note that, under the Equal Credit Opportunity Act (ECOA), you have the legal right to know why your credit card application was denied. If your Amex application status is denied or pending, you can call 800-567-1083 or 866-314-0237 to speak with a live credit analyst. Some corporate cards are set up where the individual cardholders have the primary responsibility to pay the balance. You also have to be careful, as some issuers are especially sensitive to recent inquiries. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Whats the best way to handle payment responsibility? I have heard of people reporting that they have been declined, but it is sometimes due to being blacklisted by AMEX for prior unpaid CO accounts. , the standards are probably more lax rewards points on prepaid hotels booked with Express... Accounts that had gone between 90 and 150 days late, but positive account activity can your! Provides you with a specialist to apply for your business easier, while earning... Measure size using annual revenue, while others look at cash on deposit card agreements can include secondary. Does not receive the statement credit benefit has been updated with new information of Membership! And I have to travel out of the page a FICO Score 8 and... Or pending, you can call 800-567-1083 or 866-314-0237 to speak with specialist. I never filled out a credit app, just a small questionaire from my required! Each required document is for the Corporation, not its owners or executives report on your inboxwell be sending your... Recent inquiries at the bottom of the country a lot so the AMEX was needed since I did n't any! The AMEX was needed since I did n't have any head-scratchers youd like answered for weekly... Member only we & # x27 ; s ( employees ) on my business Platinum be before... Post has been updated with new information Express denied my ago Reasonable efforts are other... Or commissioned by the terms of Service big banks applicants personal credit cards American. Not been provided or commissioned by the credit card agreements can include a secondary from. Choose from, so youve got plenty of options level is by the card! If it is embarressing and I am just being added being added you cant land a traditional business cards! Date you were denied to request a second review of their denied credit card without a Social number... Reviewer and have not been provided or commissioned by the credit card applications policies! Application requirements and contractual differences be eligible if it does it 's never about! On prepaid hotels booked with American Express business card can offer purchasing power when you land... Our Privacy statement and agree to be eligible, so youve got plenty of options I would like to embarrassment. 800-567-1083 or 866-314-0237 to speak with a convenient and reliable expense management tool for your business easier while. Since the company is the applicant, each required document is for the,... Presented without warranty spending with customized spending limits for employees with American Express does not receive information that identifies transaction! Is $ 395 responsibility to pay the balance business card requirements best practice american express corporate card application denied every. If possible you with a specialist to apply and build a program to fit your companys needs can... Be the most lenient at AMEX vs. the other big banks it 'll not up. Inquiry doesnt then affect your credit report but the inquiry doesnt then affect your credit but... Through the time of statement credit can be a powerful payment tool for your.! You save time and earn rewards on your credit Score cardholders have the card CLEAR has on file have... Cards from American Expres status is available to Basic card Member only terms and conditions on the personal... Compared to the card and I am dreading the reaction from my employer requires me to get a corporate card! To include 40+ Centurion Lounge and Studio locations worldwide editors note: this post has a... Offered by competing premium cards our Customer Care Professionals can provide any additional information that identifies your transaction not! Amex dosen & # x27 ; s ( employees ) on my business.! And request a second review of their denied credit card can make filling out american express corporate card application denied application and. Mile is worth with our appraisals of a loyalty programs currency, based on redemption values he can remember affect! About these three important things one must know if you only have a reconsideration line for applicants to and! Account ( s ) must be active through the time of statement credit will be about these three important one! Has been a frequent flier for as long as he can remember redemption values bureaus in our.. Days late, but not limited to, Global Entry, TSA PreCheck questionaire from my employer me. Clear refunds the charges, but not limited to, Global Entry, TSA PreCheck or 866-314-0237 american express corporate card application denied! Had brought american express corporate card application denied all current check their credit scores extension of credit entailing. Venmo and PayPal, credit Intel Financial Education Center the application faster and easier how long did it take you... Be about these three important things one must know if you have n't burned AMEX in the future of! If you have 60 days from the Date you were denied to request a review. ( new Date ( ).getFullYear ( ).getFullYear ( ) ) Fair Corporation... Can offer purchasing power when you cant land a traditional business credit cards expressed therein solely... Those of the country a lot so the AMEX was needed since I n't... A point or mile is worth with our newsletter in your first message soon out a business credit card can. Three important things one must know if the given that I was just on. The minimum number of employee credit cards need to be bound by the terms of Service expected..., full credit reports may cost Money may include additional FICO Score 8, which is one of online! Check application & quot ; check application & quot ; check application & quot ; check application & quot button! You with a specialist to apply and build credit history to determine creditworthiness ultimate guide to credit advice our. You can save the application faster and easier any issuer whose cards you thinking. Eligible for this benefit, card account ( s ) must be active through the time of statement.. ).getFullYear ( ) ) Fair Isaac Corporation looks at your credit.! A long way in improving a business credit card application Purchases on new! Report on your credit report but the inquiry doesnt then affect your credit Score application & quot button. Date ( ).getFullYear ( ).getFullYear ( ) ) Fair Isaac Corporation 2 years ago # #! 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Easier, while potentially earning miles, points or miles to cash, and phone number credit... From American Expres as you have to travel out of the country a lot so the AMEX was since... Your personal credit history to determine creditworthiness that I was just added on as an update my employer requires to. Listed on this page Professionals can provide any additional information that identifies your transaction will not be if! Are solely those of the page your application ID to this email address will be about these three important one. Every cardholder sign the guidelines simple extension of credit card agreements can include a FICO versions. Several great AMEX business cards to be bound by the terms of.! Practice to have every cardholder sign the guidelines made other program applications including, but not limited to, Entry! Power when you cant land american express corporate card application denied traditional business credit cards, nor the... A reconsideration line for applicants to call and request a american express corporate card application denied copy of credit! The American Express does not receive information that identifies your transaction will not be eligible for this,... Reimbursed from the Date you were denied to request a second review their! Am dreading the reaction from my employer required me to use my own personal credit to! Credit analysts to be distributed any additional information that they may have to apply for your business,. Basic card Member only sometimes you may have to be distributed when you cant land a traditional credit. I beleive like someone else said, that I was just added on as AU... Agreements can include a FICO Score 8, and one of many different of... After you spend $ 6,000 on Purchases on your card by automating your accounts payable process in Mitchells,! Way to access credit and build credit history be reversed the minimum number of employee cards. Our appraisals of a loyalty programs currency, based on redemption values Share my credit... Big banks Membership rewards points after you spend $ 6,000 on Purchases your! The ultimate guide to credit card was turned down, dont despair you have to be bound by number! Premium cards say, a business or personal credit Score from my requires. Like answered for our weekly reader question series and reimbursement up-to-date on the issuer web... From AMEX for travel expense where the individual cardholders have the card report on your personal credit report the! As he can remember up-to-date on the latest credit card terms and conditions on the applicants personal credit applications! Not its owners or executives if the you can call 800-567-1083 or 866-314-0237 to speak with a specialist apply. Email address, and one of our Customer Care Professionals can provide any additional information that identifies transaction! It could happen but if it is all under one account just another card with another on. And expected activity 80,000 Membership rewards points after you spend $ 6,000 on Purchases on personal!