Amex Business cards

[rum]

Hi all,
Can anyone advise as to whether Amex will do a hard credit check for a first business card application? I have a continuous 20 year history with Amex but only as a personal customer.
Also, can membership reward “accounts” for business cards get linked to existing MR “accounts” for personal cards?

[VickyTM]

I don’t know about the credit check, but yes they can link the business and personal MR accounts. Once they are linked they can’t be unlinked though.

[rum]

VickyTM wrote:

I don’t know about the credit check, but yes they can link the business and personal MR accounts. Once they are linked they can’t be unlinked though.

Many thanks. So I assume open business account, link the MR account with personal, then close personal account is the best way?

[Rob]

If you don’t want to empty your existing MR account then yes.

[Ian]

I wasn’t hard credit checked – but that doesn’t mean you will not be.

[rum]

Ian wrote:

I wasn’t hard credit checked – but that doesn’t mean you will not be.

Thanks for clarifying.

Do Amex business cards show up on your individual credit files?

[memesweeper]

rum wrote:

Ian wrote:

I wasn’t hard credit checked – but that doesn’t mean you will not be.

Thanks for clarifying.

Do Amex business cards show up on your individual credit files?

Yes

[Flying]

memesweeper wrote:

rum wrote:

Ian wrote:

I wasn’t hard credit checked – but that doesn’t mean you will not be.

Thanks for clarifying.

Do Amex business cards show up on your individual credit files?

Yes

No they do not… referring to platinum / gold business cards.

[rum]

Flying wrote:

No they do not… referring to platinum / gold business cards.

So that’s interesting 🤔

[Ian]

rum wrote:

Ian wrote:

I wasn’t hard credit checked – but that doesn’t mean you will not be.

Thanks for clarifying.

Do Amex business cards show up on your individual credit files?

No they don’t

These are business debts not personal.

[Flying]

rum wrote:

Flying wrote:

No they do not… referring to platinum / gold business cards.

So that’s interesting 🤔

I have both platinum and gold biz card and they are not on credit file. As Ian said as well these are business debts not personal.

[memesweeper]

Flying wrote:

memesweeper wrote:

rum wrote:

Ian wrote:

I wasn’t hard credit checked – but that doesn’t mean you will not be.

Thanks for clarifying.

Do Amex business cards show up on your individual credit files?

Yes

No they do not… referring to platinum / gold business cards.

My Business Amex Plat does (on transunion, not checked another lately)

[Flying]

memesweeper wrote:

Flying wrote:

memesweeper wrote:

rum wrote:

Ian wrote:

I wasn’t hard credit checked – but that doesn’t mean you will not be.

Thanks for clarifying.

Do Amex business cards show up on your individual credit files?

Yes

No they do not… referring to platinum / gold business cards.

My Business Amex Plat does (on transunion, not checked another lately)

Strange, I’m on Experian and my biz ones don’t show there. Only the personal card.