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Getting a Credit Card

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  • 12-11-2005 3:18pm
    #1
    NeptunesMoon
    Registered Users Posts: 418 ✭✭


    Hi,
    I'm just after setting up a new bank account for a business I'm setting up, there is no constant cash flow into it but there is money in it. I've already applied for a CC with the leaflet but have been refused. Is there any other way I can apply, perhaps by talking to somebody at my bank and telling them my plans and why I need the CC. A CC is essential for my business and I need it now.:confused:

    cheers.


Comments

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    #2
    madramor
    Closed Accounts Posts: 324 ✭✭madramor


    tell them you will personally guarantee the credit card and
    that should work.


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    #3
    NeptunesMoon
    Registered Users Posts: 418 ✭✭NeptunesMoon


    who would I tell that to (bank teller or write it on the application leaflet or someone else?) and what exactly does personally guaranteeing a credit card entail?

    cheers


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    #4
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    I'm no expert NeptunesMoon ... but I would imagine it makes you personally liable for any debt on the card, and not the business.


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    #5
    BuffyBot
    Registered Users Posts: 24,924 ✭✭✭✭BuffyBot


    Go and talk to someone in your branch. Standard applications are for exactly that..standard applications. Anything non-standard instantly gets spit out and rejected. However, sometimes your branch can intervene - talk to your business advisor in the bank.


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    #6
    a_ominous
    Registered Users Posts: 795 ✭✭✭a_ominous


    I take it you've not got a personal credit card? A business CC is useful for me and getting it was easier than if I'd not had a CC already. Even then, it took the BoI 6 weeks to feck it around and process it. 3 minutes waiting time, yeah right :rolleyes:

    I don't know how much you're expecting to use it or how large the purchases will be, but you could consider Permanent TSB's 3V virtual credit card here You will be charged 5 yoyos every time you top it up, but at least you can charge it to the business. May help in the short term.


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