Hello everyone. I’m looking to liquidate my business blue Amex. Any tips or pointers?

which credit bureau/org gives the most accurate info on your credit score? Boa and credit karma show different numbers. One in 700+ range and other showing around 800.

I just wanted to share a bit of a win on my end with the US Bank credit card setup, and why it’s seriously trumping Amex for me. So here’s the deal: I've been using the US Bank Power Card and Company Card for my business expenses, and let me tell you, the rewards are insane. We’re talking about a flat 2% cash back on all purchases — no exceptions, no caps. Plus, for stuff like prepaid hotels and car rentals booked through their rewards center, it’s a whopping 6% back. Here’s the math: with my usual spending of about $100k a month, I’m racking up roughly $24k in rewards each year. And that’s just on the 2% general spend. The kicker? They offered a $750 bonus for spending $10k in the first four months — an easy target to hit. Now, I know Amex has its perks, especially with specific categories like flights and high-ticket business expenses, but when you do the math, the limitations sour the deal for me when I crunch the numbers. With US Bank, I don't have to juggle categories or figure out conversions. Plus, the annual fees are reasonable ($195 for the Power Card and $99 for the Company Card), and none of this impacts my personal credit, nor do I need a personal guarantee. So, bottom line, if you’re like me, pushing through sizable business expenses and wanting straightforward, generous cash back, US Bank might just top your list over Amex or even Chase. Curious to hear your thoughts or if you’ve found better deals. Let’s make sure we’re all getting the best bang for our bucks!

Just swinging by to drop a quick update and a hot tip for anyone looking to expand their business funding options. So, this Monday was a big win for me—I closed not one, but two business accounts with Truist. Here’s the scoop: I managed to secure a $20,000 business credit card and a $50,000 loan with a 60-month term at 8.9%. The best part? This was all done with no documentation and just one hard pull from Equifax. That’s a smooth $140,000 added to my resources, and it couldn’t have come at a better time as I’m spinning up my HVAC company. Why do I love Truist so much? Well, check this out—I’ve got nine accounts with them: - Four cards with a $100,000 limit - Three cards with a $50,000 limit - Two cards with a $20,000 limit My highest BLOC is sitting pretty at $250,000, with the lowest at $50,000, secured just 9 months ago. Truist always pulls from Equifax for me. Now, with my eyes set on expanding even further, I’m heading to another branch to see if I can replicate my success. For my two businesses, Truist previously suggested they’d back me with both conventional term loans and BLOCs without the fuss of paperwork for the vehicles: - For Business #1: $50k + $50k - For Business #2: $100k + $50k Also, a heads-up for the newbies out there or smaller setups: Truist rang me up the other day offering a simple business loan of up to $25,000 for those operating under 2 years—pretty solid if you’re just getting your feet wet. I’ve attached the info on that Simple Business Loan from Truist for you to check out. Definitely worth looking into if you’re in a similar boat. I’m eager to hear your thoughts and any experiences you’ve had with business financing. Hit me up, let’s make sure we’re all making the most out of every opportunity!

I've been on a financing spree lately, applying for no-doc Business Lines of Credit (BLOCs) for some owner media deals I've been preparing for. I've been networking with various regional and local banks, and here are my approvals so far: 1. Truist Bank: Offered up to $50K, and I got it approved. Note that Truist's no-doc offerings vary by state, so check with your local banker before diving in. 2. City National: These guys have a higher limit—up to $250K. I pushed the limit and got approved for a whopping $244K! 3. Umpqua Bank: Offers up to $100K, and yes, I snagged the full $100K. The process was smooth and definitely worth checking out. 4. PNC: Known for up to $100K, I walked away with $70K. Not bad, considering the straightforward process. 5. BMO: Offers up to $50K; I was approved for $35K. A bit more conservative, but their regional limitations play a part. 6. Key Bank: Also caps at $50K, and I got the maximum approval. Key Bank has been consistent and reliable. Insights from My Visits: East coast banks seem more generous with their BLOC offerings. Also, it's crucial to be in the "footprint" area of these banks for BLOCs, though this isn’t as strict for nationwide credit. I run a Wyoming LLC among others and have encountered some issues with no-doc loans due to not registering as a foreign entity in California—refusing to shell out $800 in default taxes there since I’m not active in CA anymore. My Advice: Always confirm with your banker about current no-doc loan programs as banks tend to change their offerings. Being informed and prepared can make a significant difference in your applications. Anyone else applying for BLOCs or have experiences with these or other banks on the east coast?