How to Apply for a Business Credit Card without an LLC or Corporation:
Step 1: Visit the Business Credit Card Application Page:
• Go to hycreditoffers.com, select the desired card, and click “Learn More How To Apply.”
• Follow the steps until you reach the Chase application page.
• Provide personal information as required.
Step 2: Complete Business Information:
1. Use your regular name as Legal Business Name and Desired Business Name on the card.
2. If asked about a DBA or business trade name, answer is no in most cases.
3. Substitute Social Security Number for a Tax ID.
4. Use your personal address if your business lacks its own.
5. Select 0 employees if you’re the sole owner or employee.
6. Choose sole proprietorship as the business structure.
7. Use your personal phone number if you don’t have a business phone number.
8. Enter the date you opened the business for the Business Established Date, aiming for at least one or two years.
9. Specify your gross annual income, you can include your spouses income and any access to funding that you have from family and from investments. If you expect to earn more in the coming year then you can write that amount.
10. Input your business revenue, which means the amount of money that the business brings in before taking off the business expenses.
11. Clearly state the type of business you operate: travel agency, education, or any home-based business.
12. Provide an amount you’ll spend each month, for example $10,000. It does not make a real difference if you write more or less. Give an estimate. You can Divide the revenue into 12 if you need a better idea of how much you’ll spend monthly.
13. Providing accurate information enhances the chances of a successful application.
Income Reporting Guidelines:
• For Ages 21 and Older: Include any income sources to which you have reasonable access, including personal income, investments, and relative income.
• For Ages 18 to 20: Only report independent income, including personal income, scholarships, grants, trust fund distributions, or inheritances.
In Case of Denial:
• Call the reconsideration line at 1-800-453-9719 promptly for an improved chance of approval.
If Your Application is pending:
• Call the lending Department at 1-888-609-7805, and ask them how you can get the application expedited, approved, and verified.
• Sometimes chase might ask for verification documents. You can tell them to send the request to your email, and you’ll upload the documents through an upload link, usually it’s going to be documents like, Id card and Proof of Address (utility bill or bank statement).
• You should always follow up with the verification department after uploading your documents, by calling them at 1-800-278-8830.
Once You Are Approved:
• Call Chase at 1-800-945-2028 to get the card in 2-3 days if you need the card urgently.
Application Information:
• Apply today through hycreditoffers.com or contact us by calling at 888-720-6551 or email us at info@hycreditsolutions.com for more information.