Chase Sapphire Reserve still worth it? Also, might be taking a loan in about 3-4 months, thinking if I should take a new credit card or not in fear of adversely impacting my credit score.

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The drop for a hard pull is gone by 3 months and is only around 5 points anyway so that's probably not an issue. Sapphire reserve - really hard to say since I'd always feel like another 100k promotion is around the corner. Check r/churning they are the experts.

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In that case I'd probably get the ink preferred instead of sapphire. It's the business card version of the reserve and still has an 80k bonus. I hope you mean you want to earn points on your new card by paying bills, and not that you plan on carrying the balance of those bills on your card.

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I see, will look into it, thanks! Yup, paying bills.

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No but it is fraud if you use your firm name or a fake firm name. Using your own name as a sole proprietorship is completely legit - even if the business is only contemplated. They will check your personal credit history instead of auditing company financials which is what they would do for an llc, c Corp etc.

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EY1- Wanna pay some huge bills soon, hence tempted to get a new card. Not sure if I can wait for the 100K promotion. Have the Amex SPG personal card at the moment, debating b/w getting a new card for some travel benefits and just using my spg card and rack those points!

EY1- were you suggesting the ink card because its annual fee is much cheaper and still has ~$1,000 towards travel credit? Wondering why wouldn't folks get this instead of the reserve? This looks great!

And any chances of rejection because it's a "business" card?

OP you’re a sole proprietorship. Boom. Golden.

Lol A1 that's what I thought-- most likely ink reserve can only be obtained by businesses I guess!?

OP, I have friends that have opened business cards that way. Can’t speak to it myself but they swear by it. I guess t gives you that as a option to pick SP when opening.

that's what I was thinking of selecting :p not sure if I can mention my firm's (that I work for lol) name.

You say you're a sole proprietorship considering selling on eBay or etsy etc. It's no big deal they don't care. Yeah it's great. The downsides are restaurants isn't a category, but you get phone & internet in exchange. And the card isn't metal.

Oh don't use firm name you have to use your own name for sole proprietorship

Sounds great, but sort of like a fraud too :p did you mention ABC Inc. or something? Lol

Makes sense- thanks!

Seriously, just google “the points guys business credit cards”

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