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Answers (2)

Question on United Business Card Application

by Jenny Chu New Member January 21, 2020, 4:34 pm

Question on United Business Card Application

Jenny Chu New Member
January 21, 2020, 4:34 pm

Squad, I’m thinking about applying for the United explorer small business card. My situation is I already had three chase business cards and several personal cards. Due to some reasons, I’ve accumulated quite a bit balance on those cards. My plan is pay off my personal cards to the extent to get my credit score up enough (maybe down to 30%) to qualify for business united explorer.

My question is, is that enough or should I also try my best to pay off business card balance as well? My understanding is business card balance doesn’t show up in the credit report, but not sure what roles it plays, if any, in determining my new application. Do we have an idea what might be the floor credit score we need to have before we could potentially get approved?

Thank you all!!
MidSouthSkier Community Ambassador
January 21, 2020, 5:52 pm

Welcome [USER=6315]@Jenny Chu[/USER] – I don’t want to sound harsh but if you have balances on ANY cards I’d get them down to zero before doing anything else. The cardinal rule of this hobby is that you never carry a balance on cards because the interest charged is more than the rewards earned.