5 Secured Business Credit Cards That Report to D&B (2022)

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Building business credit can feel like an uphill battle at times. There is a vicious cycle of “you need credit to get credit” that can seem almost impossible to break through.

The key is to find accounts that do not require a good business or personal credit score, and that will report positive payment history to the business credit reporting agencies (CRAs.) Not every credit card issuer will do that.

In fact, only 7% of companies that offer credit to businesses, including credit card issuers, actually report positive history. So, finding those that do isn’t easy.

In fact, one of the largest obstacles to building business credit is finding accounts that will report positive history. Most only report missed payments.

5 Secured Business Credit Cards That Report to D&B:

  • Divvy: The Best Overall
  • Tillful: Promising Newcomer
  • Ramp: Great for Medium-Sized Businesses
  • Wells Fargo: Best Traditional Bank Card
  • Brex: Good for Venture-Backed Startups

The 5 Best Secured Business Credit Cards That Report to D&B

BrandQualificationsReports toRewards
DivvyEasyD&B, SBFEUp to 7%
TillfulEasyD&B, Experian, Equifax1.5% rate
RampMediumD&B1.5% cash back
Wells FargoEasySBFENone
BrexHardD&B, ExperianUp to 7x points

Divvy Credit Builder: The Best Overall

5 Secured Business Credit Cards That Report to D&B (1)

Pros:

  • No personal guarantee
  • No personal credit check
  • Doesn’t report to personal credit
  • No minimum deposit amount
  • Reports to D&B and the SBFE
  • Graduates to an unsecured line of credit
  • Offers great rewards

Cons:

  • Requires signing up for the platform (can be a pro for many businesses)

Divvy is an expense management system that was recently acquired by Bill.com. It is designed to help a business owner manage their business expenses by integrating with accounting systems and helping them control spending in a streamlined manner.

Divvy found that many small businesses have solid revenue, but don’t have the business credit needed to qualify for a corporate credit card. So they created Divvy Credit Builder.

It is basically a secured credit card option that will help you build your credit history and strengthen your business credit report and scores. It reports payments to D&B and the SBFE. There is no personal guarantee requirement for the owner(s).

(If your business credit is good enough to quality for an unsecured line of credit, they will offer you that instead of the Credit Builder product.)

It’s secured with your Divvy account, so the balance in the account is your credit limit. There is no minimum required – you can deposit as little as you want.

What’s even better is that they will graduate your account to an unsecured credit line once your payment history and business credit get built up more.

It is definitely useful for getting a business credit account reporting and building your business credit score. Divvy also makes it really easy to create (or take away) employee expense accounts with pre-defined limits.

In that way, Divvy has the same benefits as a normal business credit card.

The whole Divvy system can help a business owner take control of spending and streamline money management.

If you don’t want to jump through the hoops of setting up a new expense management platform, Divvy might not be the card for you.

But other than that, we don’t see much of a downside to Divvy’s card.

(Video) 5 BEST BUSINESS CREDIT CARDS THAT REPORT TO DUN AND BRADSTREET 2022 | NO PG BUSINESS CREDIT CARDS

Try Divvy

Tillful: Promising Newcomer

5 Secured Business Credit Cards That Report to D&B (2)

Pros:

  • No personal guarantee
  • No personal credit check
  • Doesn’t report to personal credit
  • Reports to D&B, Experian and Equifax
  • Has 0% APR

Cons:

  • Signing up requires a waitlist
  • It’s new

This is a newer card on the market. In fact, it’s so new that you can only get it right now with early access. They have a link on their website where you can get on the list to be notified when it opens back up.

You can earn rewards on business purchases and there is no personal guarantee requirement. They report to Dun & Bradstreet, Experian Business, and Equifax Business.

Here are some of the highlights:

  • Earn a 1.5% rate with rewards on your business purchases (promotional)
  • No personal guarantee required
  • No bank balance minimum required
  • No annual fee
  • 0% APR
  • Doesn’t affect your personal credit

To qualify for a Tillful card a business must:

  • Be incorporated in the US for a minimum of 3 months
  • Have a valid EIN
  • Not be in any of the restricted industries specified by Sutton Bank
  • Have a Tillful credit account
  • Be in compliance with their terms and conditions

What exactly is a Tillful credit account? At its core, Tillful is a business credit monitoring app. You must have an account with them for business credit monitoring before you can get a secured business credit card.

So, a bonus is you can see your business credit score and know what you are working toward. You can also tell if using the card is helping. Tillful works with Experian and offers a free view of your Experian Intelliscore+ score.

We really like what Tillful is doing here – the business credit industry has needed a simple secured card for awhile! This new card has a lot to offer.

Try Tilfull

Ramp: Great for Medium-Sized Businesses

5 Secured Business Credit Cards That Report to D&B (3)

Pros:

  • No personal guarantee
  • No credit check
  • Doesn’t report to the personal credit bureaus
  • Reports to D&B
  • 1.5% cash back

Cons:

  • Must have a minimum of $75,000 in business accounts

Ramp is another option similar to Divvy. It reports to Dun & Bradstreet also.

One unique thing about Ramp’s software is it is designed to help reduce spending. This is in contrast to other cards that often offer rewards for spending more. They offer both unlimited virtual and physical cards.

Some other unique features the Ramp card offers include:

  • The ability to personalize individual cards with your brand
  • The ability to restrict or limit the amount spent with a specific vendor, either on one card or company wide
  • Limit or restrict spending in specific categories, like dining, travel, and more
  • Set limits on cards to refresh when you want them to, even daily!
  • Set restrictions and limits at the transaction level, with the flexibility to ask for approval as needed, to better control spending on big ticket items

To be approved for a Ramp card, a business must meet these qualifications:

  • Be registered in the United States
  • Be incorporated, not operating as a sole proprietor or other unregistered business typeCurrently,
  • Have a minimum of $75,000 in cash in a US business bank account
    • I’ve heard that having $200,000 in the business bank account is an automatic approval, though I couldn’t confirm it
  • The majority of operations and corporate spend in the US

Note: They do support international transactions and will waive all related transaction fees, according to their website.

Also Read: Ramp vs Brex

Additionally, applicants must have an EIN and provide it on the application. You can apply without an SSN if you do not have one. You’ll need a copy of your foreign passport and documentation to prove your address, such as a utility bill, bank statement, pay stub, etc.

(Video) New Prepaid Business Credit Card - Reports to D&B and SBFE - Business Credit 2021

Also Read: Ramp vs Brex

They do not require a personal guarantee. They consider the financial health of the business using factors such as the cash balance of the company, cash flows, and revenue.

Try Ramp

Wells Fargo Business Secured Card: Best Traditional Bank Card

5 Secured Business Credit Cards That Report to D&B (4)

Pros:

  • Doesn’t report to the personal credit bureaus
  • Reports to SBFE (which reports to D&B)
  • 1.5% cash back or reward points

Cons:

  • Must have a Wells Fargo checking or savings account

You can get a $500 to $25,000 credit line, depending on the amount of funds deposited by you as security in a collateral account. There is no annual fee or foreign transaction fee, and you can get up to 10 cards for employees.

They do offer rewards of up to 1.5% cash back for every $1 spent on net purchases. Receive the cash back as a credit to your account automatically, or to your eligible checking or savings account each quarter.

Rewards points are earned at a rate of 1 point for every $1 spent on net purchases. These can be redeemed for gift cards, merchandise, airline tickets and more.

They do periodic account reviews and consider recent credit history looking for an opportunity to upgrade to an unsecured business credit card. Over time, with responsible use, this upgrade is possible.

To get this card you must have a Wells Fargo business checking or savings account. Once you get approval, funds transfer from the deposit account to fund the secured credit line. There is no annual fee or foreign transaction fee.

This card does not report to Dun & Bradstreet directly. However, they do report to the Small Business Finance Exchange (SBFE). The SBFE provides Dun & Bradstreet with data on businesses.

Brex

5 Secured Business Credit Cards That Report to D&B (5)

Pros:

  • Reports to D&B and Experian
  • Can upgrade to an unsecured card
  • Does not report to personal credit
  • No personal credit check
  • Up to 7x rewards points

Cons:

  • Only for startups companies with venture capital backing (or big companies)

Brex offers a number of services that can help many small business owners manage business expenses, similar to Divvy. It allows for more streamlining and efficiency, making money management easier.

The system integrates with accounting software and helps the small business owner track expenses.

When you sign up with Brex you open a Brex Cash Account. Everyone that opens a cash account gets a corporate card. This works similar to how a debit card does. When you make a purchase, the total is drawn from your cash balance, daily.

Yet, unlike a debit card, these draws are reported as payments on your account to Dun & Bradstreet. As a result, your business credit score grows.

The card is secured by the balance in your cash account and limited to that balance. That means you do not have to worry about underwriting.

As you build a stronger credit score for your business, they do have an unsecured business credit card option you may qualify for.

Note: As of spring 2022 Brex is repositioning. They are closing all small business accounts except those belonging to businesses with investments backing.

(Video) Business Credit Card | No Credit Check | No PG | Reports to D&B | Business Credit 2022

Try Brex

Building Business Credit With Secured Business Credit Cards

One way to do this is with secured business credit cards that report to at least one of the three main business credit reporting agencies. Those are Dun & Bradstreet, Equifax Business, and Experian. Others include FICO SBSS and Credit Safe.

In contrast to an unsecured card, a secured credit card is often easier for business owners to get without either a personal or business credit check. At the very least, the credit score requirements are likely not as strict.

It’s important to remember however, that this isn’t really new funding. If the card is secured with cash, it will not really be useful as new funding or for something like a balance transfer.

Here are 5 secured small business credit card options that report to D&B, and some of them report to other business CRAs as well.

What Does the SBFE Have to Do With Business Credit and Dun & Bradstreet

This is a not-for-profit agency that collects information on small businesses from its members. They use this data to put together comprehensive credit information. In turn, lenders use this information to make credit decisions.

It’s important to note that The Small Business Finance Exchange does not lend money. Furthermore, it also does not create or distribute credit reports.

They work on a self- dubbed “give-to-get” model for data exchange. Members provide information about their borrowers. As a result, members can receive information to help them make better lending decisions in the future.

How Does it Work?

It starts with members. Members report credit data from companies that they do business with. This includes things like payment history, among other things.

Next, the SBFE normalizes the raw data into usable information. Then, it distributes this data to certified vendors.

Certified Vendors use the information to create credit products. These products are only for distribution to SBFE members.

Members request data on any small business to whom they may extend credit, if they wish. Since they gave information, they have information available to them.

In practice, this is what it looks like. A lender reports credit information about its current borrowers to the Small Business Finance Exchange.

When a potential borrower comes along, they request a credit report. This report does not come from the SBFE.

The request is to one of the credit reporting agencies such as Dun & Bradstreet or Equifax. Because of their membership with the SBFE, they receive an extended report that includes the information received from the SBFE, as well as that from D&B.

When a business is a member of the SBFE and uses one of these Certified Vendors to request a business credit report, they get the benefit of the vendor’s own information plus that from the data received from the Small Business Finance Exchange.

Since Dun & Bradstreet and Equifax are both Certified Vendors of the SBFE, any business that is an SBFE member who requests your credit report from one of those agencies will get information on your business that has been reported to the SBFE from other members.

So, since Wells Fargo reports to the SBFE, that payment information will be on your D&B report if it is requested by another SBFE member.

FAQs

Do Business Credit Cards Report to Dun and Bradstreet?

Some do and some do not. Unlike personal credit, where all accounts report to the consumer credit bureaus, only about 7% of business accounts report positive payment history.

As a result, it’s important for a small business trying to build or improve business credit scores to intentionally look for accounts that do report.

Since Dun & Bradstreet is the oldest and largest business credit bureau, it’s especially useful if an account reports positive payments to them.

Does Wells Fargo Secured Business Credit Card Report To Credit Bureaus?

No. According to the FAQs on the Wells Fargo site, they do not report directly to Dun & Bradstreet.

They do, however, report to the Small Business Finance Exchange, who in turn provides information to Dun & Bradstreet for distribution to members.

Does Chase Business Credit Card Report to D&B?

Yes, but they are not as easy to get as a secured business credit card. Chase currently requires a consumer credit score of at least 680, but 720 is better.

So, while it will help build business credit stronger, it may not be a card you can get when you are just starting the business credit-building process.

Does the Bank of America Secured Business Credit Card Report to the Credit Bureaus?

They report to the business credit bureaus. It’s also been noted by some sources that they may report business credit accounts to your personal credit report if they are not in good standing. To be safe, handle all credit responsibly.

(Video) How To Build Business Credit With Brex | Reports To DnB and Experian Business

5 Secured Business Credit Cards That Report to D&B (6)

Faith Stewart

(Video) Top 10 Business Credit Cards That Report to D&B and Other Bureaus Systematically 🔶 CREDIT S3•E104

Faithis the Senior Content Writer at Credit Suite. She has a BBA with a Major in Accounting and over 20 years of experience in the fields of finance, accounting, and small business credit. She lives with her husband, son, twodaughters and two dogs in Tennessee.

FAQs

Does Wells Fargo secured credit card report to Dun and Bradstreet? ›

1 of the 3 available secured business credit cards reports to Dun & Bradstreet: Wells Fargo Business Secured Mastercard. All major secured credit cards report to the three consumer credit bureaus: Equifax, Experian and TransUnion. D&B, Experian and Equifax are the three major business credit bureaus.

Does Capital One business credit card report to Dun and Bradstreet? ›

The Capital One Spark Cash Select card uses the major credit bureaus TransUnion, Experian and Equifax for approval. When it comes to reporting, the Capital One Spark Cash reports to the personal, but also the major business credit bureaus Dun & Bradstreet, Experian Business, and Small Business Financial Exchange.

Does Staples business credit Card report to Dun and Bradstreet? ›

Wells Fargo underwrites and finances every line of credit for Staples – if you have business credit they will look at Dun & Bradstreet and check basic information like the company's online presence, tax information, and location.

Does Wex report to Dun and Bradstreet? ›

WEX also reports to Experian and Dun & Bradstreet. A $500 deposit is required, as well as a 411-business phone number listing.

What banks report to Dun & Bradstreet? ›

And that's true whether it's personal or commercial credit data. So with business credit especially, it can be tough to find lenders and vendors that report. That's why this kind of information is important. Right now, American Express, Capital One, Chase, and Citi all report to Dun & Bradstreet.

Does divvy report to Dun and Bradstreet? ›

UPDATE: As of April 2021, Divvy reports customer payment behavior directly to Dun & Bradstreet, in addition to the Small Business Financial Exchange (SBFE®).

Who does Wells Fargo secured business card report to? ›

While personal secured cards are likely to report to the three main credit bureaus, some business cards, like the Wells Fargo Business Secured, report to the Small Business Financial Exchange. The Business Secured card from Wells Fargo offers rewards where many secured cards won't.

Who does Wells Fargo business credit Card report to? ›

The Wells Fargo Business Secured Credit Card reports card activity to the three major consumer credit bureaus — Experian, Equifax, and TransUnion.

Does Bank of America report to D&B? ›

Dun & Bradstreet is a third party not affiliated with Bank of America and Bank of America makes no representation or warranty related to Dun & Bradstreet's business credit score.

What credit score is needed for a Staples business credit Card? ›

You need at least fair credit, which is a score of at least 640 to get the Staples Business credit card.

Does T Mobile report to Duns and Bradstreet? ›

When you sign up for a paid account with Nav, it will report to D&B, Experian, and Equifax every month.

Does Home Depot report to Dun and Bradstreet? ›

Yes, the Home Depot® Business Credit Card reports your account activity to all major business credit bureaus: Dun & Bradstreet, Experian and Equifax.

What is the easiest fleet card to get? ›

What is the easiest fleet card to get? The WEX FlexCard offers no setup, annual, or card fees and comes with a 3 cents per gallon rebate. This is a great option to get started right away as the FlexCard is accepted at 95% of stations nationwide.

What business gas card is easiest to get? ›

What business gas card is easiest to get?
  • Capital One Quicksilver Student Cash Rewards Credit Card.
  • Discover it® Secured Credit Card.
  • Shell | Fuel Rewards® Mastercard. ®
  • Techron Advantage Visa Credit Card.
20 Oct 2022

Does Chevron report to Dun and Bradstreet? ›

Financial Performance

Selected financial data follows, expressed in millions of dollars. General information concerning Chevron Phillips Chemical is available through Dun & Bradstreet under DUNS number 03-891-2866.

How can I improve my Dun and Bradstreet score? ›

Aim to pay all of your suppliers on time, or early if you can. In fact, the earlier you make your payments, the more it'll help your score, especially with large invoices. Report payments to D&B. You'll also need to make sure that your suppliers report your payments to D&B.

What is a good Dun & Bradstreet business credit score? ›

Dun & Bradstreet assigns scores on a scale of 1 to 100, with 100 being the best possible PAYDEX Score. Scores are divided into three Risk Categories, with 0 to 49 indicating a high risk of late payment, 50 to 79 indicating a moderate risk, and 80 to 100 indicating a low risk.

How do I increase my Dun and Bradstreet Number? ›

Pay Better Than On Time – Paying your invoices 10, 15 or even 20 days ahead of the due date can classify your business as one that pays 'better than terms'. This looks extremely favorable on your profile and can increase your Dun and Bradstreet rating significantly.

What FICO score does Divvy use? ›

We review each application individually, but there are a few requirements our team looks for when approving applications. Here are the things you'll need to qualify for Divvy. A FICO score of at least 550*: All applicants need to pass a soft credit check—this won't affect your credit score.

Does brex report to credit bureaus? ›

Yes! We partner with Experian, Dun & Bradstreet, and Equifax to report your company's payment history to one or more credit reporting agencies (Section 2.5, Platform Agreement).

How secure is Divvy? ›

Divvy uses industry best practices for data encryption at rest and in transit including Transport Layer Security (TLS) and the latest encryption (AES 256). Divvy also performs regular audits and stress testing to ensure security exceeds industry standards.

What credit score is needed to get a Wells Fargo Business Credit Card? ›

Wells Fargo credit card requirements include having a credit score of 700+ (for most cards) and providing standard personal information such as your name, address, and date of birth.

What companies pull Experian for business credit? ›

Credit card companies can pull credit reports from all three credit reporting agencies; however, there are some credit card companies that most likely pull from Experian like Chase, Wells Fargo, Bank of America, Citi, and American Express.

Did Wells Fargo discontinue secured credit card? ›

WalletHub Review

The Wells Fargo Secured Credit Card is a low-cost credit card for people with bad credit. The Wells Fargo Secured Card is currently discontinued, however, which means the card is no longer available to new applicants.

Does Chase report business credit? ›

Chase will report your account activity to the business credit bureaus, which can help you establish a business credit history. The bank won't report anything other than the initial hard inquiry when you apply to the consumer credit bureaus, unless your account is more than 60 days delinquent.

Does Amazon business Card report to personal credit? ›

No, Amazon Business Prime does not report to credit bureaus. Amazon Business Prime is a subscription service that offers discounted shipping rates and other benefits for businesses that order products from Amazon. It is not a credit card and does not impact a business's credit score.

Does Lowe's business credit card report to credit bureaus? ›

No, the Lowe's Business Credit Card does not report to all credit bureaus. Once you're approved, the card will report your activity to two business credit bureaus: Small Business Financial Exchange and Dun & Bradstreet. It will not report your information to the personal credit bureaus.

Can I use my DUNS number for credit? ›

You can't apply for a business credit card with a DUNS number. DUNS stands for “Data Universal Numbering System.” It's a system developed by Dun & Bradstreet, one of the major business credit bureaus.

How can I build my business credit fast? ›

If you want to build business credit quickly here are five simple steps.
  1. Step 1 – Choose the Right Business Structure. ...
  2. Step 2 – Obtain a Federal Tax ID Number (EIN) ...
  3. Step 3 – Open a Business Bank Account. ...
  4. Step 4 – Establish Credit with Vendors/Suppliers Who Report. ...
  5. Step 5 – Monitor Your Business Credit Reports.
5 Dec 2019

Does an LLC have a credit score? ›

Does an LLC Have Its Own Credit Score With The Rating Agencies? Yes, a business has its own credit score and credit report. When you start your business and start applying for credit, your personal credit history and score will be taken into account.

Is it easy to get a Staples business card? ›

It's actually really easy. Just drop by a Staples® store and ask about Staples® Design Services for your business cards.

What bank does Staples use? ›

Staples Credit Plan is a credit card for catalog or in-store purchases billed through CitiCorp Bank. Staples Advantage allows customers to place orders via phone, fax or online.

Does Staples have net 30? ›

Businesses with fewer employees may want to apply for the Staples Commercial More Account which also offers net-30 terms and gives 5% back on purchases online and in store.

How do I add Tradelines to Dun and Bradstreet? ›

Once you have a DUNS number there are two ways for you to start establishing positive trade lines on your D&B report. First, you could apply for credit with vendors or creditors, make purchases, pay your invoices or statements, and then wait for the supplier/creditor to report your payment history.

How can I get free Tradelines? ›

The best way to learn how to add tradelines for free is to walk into a bank and take out an account. There you go: simple as that.

What is a net 30 tradeline? ›

A net 30 account is 30-day trade credit on invoices for business purchases, also known as a net30 tradeline or vendor tradeline. Net30 accounts offered by vendors extend credit to customers with net 30 terms. Business customers timely pay for purchases without interest charges.

Does Amex business report to DNB? ›

American Express only reports only negative activity to Dun & Bradstreet (D&B). They do report to the Small Business Financial Exchange (SBFE).

What credit score is needed for a Home Depot commercial account? ›

You can apply for the Home Depot® Business Credit Card online on Home Depot's website or in your nearest Home Depot store. You'll need a credit score of at least 640 (fair credit) to be considered eligible for a new account.

Who reports to Dunns? ›

Dun & Bradstreet

Of our list of companies that report to Dun and Bradstreet only Quill, Grainger, Uline, Gempler's, and Namynot are exclusive report to DNB. The rest have blanket coverage and regularly report to at least three business credit bureaus.

What credit score is needed for a Shell gas card? ›

The typical applicant approved for the Shell credit card will have at least fair credit, which means a score of 640 or higher. Therefore make sure to check your credit score before you submit an application with them. It's a good card, but don't waste a hard inquiry.

What credit score is needed for a Chevron gas card? ›

WalletHub, Financial Company

The Chevron gas card requires “Fair” credit for approval, which generally means a score of at least 620.

What credit score do you need for a Wawa credit card? ›

The minimum credit score to qualify for this card is 640. That means you must have fair credit to get the Wawa Credit Card. And besides your score, the issuer will also look at your income, debts, and payment history to decide whether you're eligible for a new account.

Does AtoB report to business credit? ›

Does AtoB report to credit bureaus? Yes! We report monthly to Experian. We're honored to help our small business clients build their credit.

What can I use my AtoB card for? ›

The AtoB Fuel Card can be used anywhere Visa is accepted, covering 99% of fuel stations nationwide.

Does Wex gas card report to credit bureaus? ›

It's important to note that WEX is still one of the few credit card providers for businesses that report to the business credit bureaus. That means their fleet fuel cards are still useful not just for managing cash flow and expenses, but also for building business credit.

Does Shell gas card report to Dun and Bradstreet? ›

Yes, the Shell Small Business Credit Card does report to all three main business credit bureaus (Experian, Equifax and Dun & Bradstreet) on a monthly basis.

Does Wex report to Dun and Bradstreet? ›

WEX also reports to Experian and Dun & Bradstreet. A $500 deposit is required, as well as a 411-business phone number listing.

Do gas cards report to Dun and Bradstreet? ›

Many cards offer benefits such as fuel cost discounts. And, these cards are typically easier to qualify for than traditional credit cards. As a bonus, fleet card servicers typically report on-time payments to business credit bureaus, including D&B. So, fuel cards provide a convenient way for businesses to build credit.

Who does Wells Fargo secured business card report to? ›

While personal secured cards are likely to report to the three main credit bureaus, some business cards, like the Wells Fargo Business Secured, report to the Small Business Financial Exchange. The Business Secured card from Wells Fargo offers rewards where many secured cards won't.

Who does Wells Fargo Business Credit Card report to? ›

The Wells Fargo Business Secured Credit Card reports card activity to the three major consumer credit bureaus — Experian, Equifax, and TransUnion.

How long before Wells Fargo secured card becomes unsecured? ›

Wells Fargo Secured Credit Cards can graduate to unsecured after the cardholder has demonstrated consistent positive payment history and the ability to pay. Some forum users report Wells Fargo Secured graduation after 1 or 2 years of having the account.

Did Wells Fargo discontinue secured credit card? ›

The Wells Fargo Secured Card is no longer available. For another option, check out the Discover it® Secured Credit Card.

What credit score is needed to get a Wells Fargo Business Credit Card? ›

Wells Fargo credit card requirements include having a credit score of 700+ (for most cards) and providing standard personal information such as your name, address, and date of birth.

What companies pull Experian for business credit? ›

Credit card companies can pull credit reports from all three credit reporting agencies; however, there are some credit card companies that most likely pull from Experian like Chase, Wells Fargo, Bank of America, Citi, and American Express.

Does Citi business report to credit bureaus? ›

There are plenty of business credit cards that don't report to personal credit bureaus, including all Bank of America, BBVA, Citi, and Wells Fargo credit cards. There are a few other issuers, including American Express, Chase, and U.S. Bank, that will report only negative information or severe delinquency.

Does Navy Federal report business credit? ›

Yes, Navy Federal Credit Union Business Credit Card reports your account activity to the following credit reporting agencies: Equifax. Experian. Transunion.

Do Chase business cards report to personal credit? ›

Chase will report your account activity to the business credit bureaus, which can help you establish a business credit history. The bank won't report anything other than the initial hard inquiry when you apply to the consumer credit bureaus, unless your account is more than 60 days delinquent.

How much will a secured credit card raise my score? ›

If you properly manage your secured credit card, you could see a 200 point increase to your credit score within 12 months. If you have bad credit, a score in the 500s or below, opening three secured credit cards and a credit builder loan can get you into the 700s within 12 months.

Can I convert my secured credit card to unsecured? ›

You can upgrade your secured credit card to an unsecured credit card, but you'll need to work with your credit card issuer to find out what unsecured credit card options are available to you based on your credit score.

Does Capital One ever graduate secured cards? ›

Editorial and user-generated content is not provided, reviewed or endorsed by any company. Yes, the Capital One Platinum Secured card can graduate to unsecured. Capital One will periodically review your account for possible graduation. If your account is eligible, you will be notified by email.

Does Chase have a secured card? ›

Chase Does Not Offer a Secured Credit Card

The one exception is the Chase Freedom® Student credit card that students can use to establish and build credit. As with virtually all student credit cards, this card does not require cardholders to have a credit score or any credit history.

Can I put 50k on a secured credit card? ›

Yes, you can put $5,000 on a secured credit card if the card's maximum security deposit amount is at least that high. Most secured cards do not allow deposits of $5,000 and above, though there are some cards like the Chime Credit Card that will. Both of these secured cards permit deposits up to a maximum of $10,000.

Does Wells Fargo have a secured credit card 2022? ›

The Wells Fargo Secured Visa Credit Card can help you build credit for the first time or get your credit score back on track if you've had a few bumps in the road. Best of all, it comes with a credit limit as high as $10,000.

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Name: Chrissy Homenick

Birthday: 2001-10-22

Address: 611 Kuhn Oval, Feltonbury, NY 02783-3818

Phone: +96619177651654

Job: Mining Representative

Hobby: amateur radio, Sculling, Knife making, Gardening, Watching movies, Gunsmithing, Video gaming

Introduction: My name is Chrissy Homenick, I am a tender, funny, determined, tender, glorious, fancy, enthusiastic person who loves writing and wants to share my knowledge and understanding with you.