You’re getting the hang of it but let’s go next level. Dentist bill? Employee health care/benefit. Vet bill? Employee benefit. (Or company mascot!)... Let’s do a challenge! Can you think of any expense the rest of us can’t justify as a business expense to a credit card company?
I might be too much of a rule follower :-(.
My daughter’s dance class?
That’s a part of my “Fitness For You and Yours” employee benefits package
That’s a part of my “Fitness For You and Yours” employee benefits package
I think you’ve hit the nail on the head. It’s about the protections. They don’t care what you put on the card and I’d guess that off the record they would say they want the volume and swipes.That’s a part of my “Fitness For You and Yours” employee benefits package
In all seriousness though, do you (or any other vets) remember any credit card companies going after customers for non-business charges? I thought the warnings were more just warnings mandated by the gov’t since biz cards have fewer protections than personal cards than a “gotchca! We’re yanking your bonus now!” clause?
@eeyoreland @WVMomof3; If it makes you guys feel any better...We got 39 cards before I jumped into business cards (I started dabbling in churning in 2011 and jumped in full force in early 2015, from there it took over 18 months to try for a biz card). It just didn't feel right to me initially either, but as I read more on it, I gained a comfort level. 10 of our last 24 cards have now been business cards.
I just figured I'd point out that even a "veteran" such as myself had an internal struggle on this one.
Even if you're counting projected income, who goes out to spend 5k in 3 months on a business after only bringing in $150 in the last year? I'm sure it could happen but the percentage has to be low, so what bean counter in his right mind would trust you with credit? (And I'm not picking on your/DH's application, amalone1013, I just think it's an awesome example! I'm still awesomely impressed with your figures and success in getting Biz cards with them, truly. It gives me hope )
If only I knew then what I know now I could have had a lengthy business credit history too 
Hey, examples like mine are what made me more comfortable, for all of the reasons you stated!,I pause at the Biz language too but then I step back and think, realistically, they know and/or don't really care. Otherwise, why are they approving @amalone1013 's DH with $150 in revenue for a card with 5k in spend req for a bonus... and then give the bonus. If I'm spending 5k to make $150 I'm doing something wrong
On the AmEx side, they seem to have always been biz lenient as I constantly got Biz card offers when I was only 20 or 21 and still in college. I guess they were trying to get in early for when I graduated and set up an office right away
)
