Justin Colby

The business cards are not quite as predicated on my credit score, right?

I mean, effectively, they might have a soft pull, but it's not a hardcore credit pull based around the limits.

Now, if you get a 0%, obviously, they want some level of guarantee, right?

Yep.

Yeah.

And just for clarity, some people are going to think this is some hack if they have bad credit.

You still need good credit.

I understand these are business cards and we're talking about business lines of credit, but you still need good credit to be able to get approved for something, right?

Whether it's 10 grand, 20 grand, 100 grand, 200 grand.

And so just to understand that, I think I was asking more of a personal question because wouldn't it make sense for the limited stuff I know about credit to

If I'm able to move a personal credit card's balance to a business card, I'm freeing up a lot more of personal credit that isn't necessarily viewed the same way.

And maybe I'm wrong here, right?

So Dun & Bradstreet, which is looking at my EIN versus TransUnion and Experian.

Wow.

That's amazing.

I mean, this can really help.

This is a odd way of looking at this, helping you more personal, right?

Like if you need to, if you need to free up credit personally, you want your credit score to bump, right?

Like you want your personal credit score to bump and you have, I'm making it up 50% leverage on your credit cards.

Your credit score is not going to get to the higher numbers, right?