Transitioning to Business Credit CardsOnce your business credit profile is established, apply for business credit cards.

You screen them the same way a hotel does: not at all.The only thing you need to verify is their credit card number.

The wild card is RISK.... if you pay off your primary, there is no risk Use it to buy rentals or other investments, comes with some risk.

I’ve gone back and forth on doing grocery cards, gas cards, or restaurant cards and feel the discount just works better for me.

We got a small drop last month but nothing worth bragging about.I was thinking of doing a refi with dropping rates but doesnt seem like thats in cards currently...Thank you The bond market happened.

Like much of real estate, it looks a whole lot better on a spreadsheet than it does in real life.It works at scale or with a lot of experience, but you are kind of building a house of cards needing everything to go right in the beginning. 

My wife and I use something we call the "One card" that we learned from another Memphis area investor.

They are business CC but I don't use them anymore and would rather use cash/debit cards.

I seem to remember that I didn't even have a business card until then either.You are VERY late to the game to be making these decisions. 

Your credit limit on an unused card will not generally affect your scores.