SBWB48
DIS Veteran
- Joined
- Apr 28, 2016
The SPG Biz isn't reported to your personal credit report; however, a hard pull will appear as an inquiry. Too many inquiries could be a factor in denying an application or a shutdown, but I don't know how it might factor into Chase's "bust out" scoring.
I'd note that Amex did not do a hard pull for my SPG Biz. I've seen many reports that Amex may not do a hard pull on new applications for credit if they had already pulled your credit report recently on a prior application. I had last applied for an Amex card in February 2017 before the SPG Biz in October 2017, so a period of 8 months and still no hard pull. I'm thinking Chase has no idea I have a SPG Biz.
My husband got personal SPG Amex last spring, no hard pull. Hard pull though for Delta Amex Platinum Business. So seems pretty random. No hard pull for me though when got this same card, same history, in January.
Speaking of the capital one credit wise app is pretty helpful for checking your score and seeing notes. You don’t have to have a card with them.
Also as a FYI data point I called today and while no retention offer for capital one venture they did allow product change to quicksilver. I was just going to outright cancel but now that it has been 2 years figured I might as well keep the credit line with capital one since know no fee.
My only cards with Amex are an ED and BCP from at least 3-4 years ago. When I applied for the SPG Biz recently, I logged in (when prompted if I wanted to) using my existing login info and it populated most of my personal info, but it's been almost 1.5 months and no record of a HP at all. Like @Lain Chase likely has no idea I have the card.