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Is Credit Card Stacking Illegal?

October 10, 2022

You hit “submit” on yet another long-winded application for business financing. You eagerly await a decision – hoping you will qualify for this organization’s requirements and be able to turn your business idea into fathomable work. After refreshing your email, a notification pops up with a preview that begins: “We have reviewed your application. At this time, we cannot…” You close your inbox and allow yourself to feel frustrated, wondering what options you have to be able to fund your business without draining your personal savings account. Does this scenario sound familiar? If so, credit card stacking could be the key to getting the funding you need for your business or real estate investments.


What is Credit Card Stacking? 

Thankfully, there are other options available. Credit card stacking is a reliable strategy where small business owners and startups apply for multiple business credit cards to gather several lines of available funding. Credit card stacking is not illegal. It is an option for potential business owners who may not qualify for official business loans. It still allows access to money as needed and can be a fantastic alternative for financing an array of business needs.

Credit cards are essentially the same as loans with an approved spending limit; however, there are often many fewer stipulations on application requirements and a lower monthly payment depending on how much is spent on each card. An important note is that applying for business credit cards typically requires a stable credit score of around 680-700, depending on the bank. The lines are unsecured, and therefore you do not need to offer any collateral – which is why maintaining personal finances and a good credit score is essential.


How Does Credit Card Stacking Work?

Credit card stacking involves research, prequalification, application submission, application approval, and then frequent monitoring of multiple credit cards – keeping track of due dates, interest rates, and total balances. As a business owner with a multitude of tasks and deadlines ahead, managing your finances alone is not an easy endeavor. That is why many individuals seek the assistance of a financial advisor or company to find, apply for, and manage multiple lines of credit.

At Fund&Grow, we provide a “done-for-you” credit card stacking membership where our team works directly with you to determine your financial needs – and then we handle the rest. Our tested and proven program assists in obtaining up to $250,000 in business credit with a 0% interest rate for an average of 12-18 months. With this program, we are in frequent close contact with your banks and keep you up-to-date on your financial status, so there are no surprises. 


The Benefits of Credit Card Stacking

As with any business decision, you must weigh the pros and cons against your unique needs to ensure that you are headed in a direction that will be helpful and profitable for success. Utilizing funding from multiple credit cards carries the same risks as managing a single line of credit, such as spending too much, forgetting due dates, and accruing interest. However, with the assistance of a financing partner, you can solve these problems head-on with a repayment strategy. Ultimately, your responsibility does not sway much from the path of a traditional business loan, as you use funding and then pay it back in determined intervals. Remain consistent and work with experts to avoid credit errors and reap the benefits of credit card stacking.

A variety of credit cards means an abundance of rewards. Does your business require a lot of travel? Many cards offer points that can be redeemed in the form of travel miles – saving you money as you spend it. Then, if you have multiple cards that collect points for travel, you could essentially use your business spending as a way to fund necessary (or fun!) travel frequently as well. Other business credit cards provide cashback offers worth a percentage of your spending that comes back into your account in the form of money you can use to redeem gift cards and supplies or to put toward your balance. This is an excellent option if you plan to make large purchases regularly.

Credit cards may also provide other useful benefits such as travel insurance, roadside assistance, hotel rewards, increased points or discounts on business expenses, and more. With credit card stacking, you are already benefiting from several available credit lines, which means more financing at your fingertips; however, you also benefit from the incentives each bank provides.

The question is: Is credit card stacking right for you and your business? Are the benefits and funding options worth it to keep your business propelling forward? Learn more about credit card stacking and Fund&Grow’s risk-free program here.

I take tremendous pride in building positive and lasting relationships in my businesses and personal life. Every member of my team is committed to helping our clients get the maximum amount of funding possible and achieve their highest growth potential.

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