Ari Page

Yeah, Ben, real quick.

So we have situations where we will apply it like Chase or U.S.

Bank, where they also have personal cards, where a client will have personal cards.

In fact, we generally try to go first to banks where they already have existing relationships.

Existing relationships should at this point be at the top of the list.

If I have an existing relationship with Bank of America or Chase or U.S.

Bank, I'm going to go there first.

Now, if I have useless $20,000, $30,000 personal cards because they're 18%, if I have these cards sitting there and then I apply for a US bank business card and I get approved for 15,000, you can bet I'm gonna do what Justin suggested.

I'm gonna go into my personal and I'm gonna ask that underwriter, can I migrate 5,000, 10,000 off of this $20,000 card on my personal and move it over to the business?

Because they see you as a total exposure.

They don't care if it's reported to the business side, if it's reported to the personal side.

The bank sees your total exposure and you can actually have a conversation with them and they will happily divide it up how you see fit.

The total exposure really matters little to them.

Yes.

And to add to that, you can also now use the business credit cards a lot easier without worrying about them affecting your score.

Because when you use a personal credit card,

The more you put on that card, the more it pulls your personal score down.

And then that precludes you from being able to do the card stacking process.

So if you want to be able to do the card stacking process, it's kind of important that you're doing it using business credit cards that don't report to the personal credit report.

That way, like you were just mentioning, your personal scores go higher.