I applied for the Alaska Business Card on August 23rd. For some background, I'm a landlord with an 825+ credit score and very low utilization across all cards. I've never had to provide as much documentation for a business credit card as BoA is requesting.

First, they asked for full tax returns, which I uploaded on August 26th with no issue. Since then, they've followed up with even more document requests. Last week, I called and was told the holdup was due to a fraud alert on my credit report. I contacted the bureau, got the alert removed, and BoA pulled my credit again 2nd time.

Now, they’re asking for a business license. I explained that I’m a landlord operating as a sole proprietor. I don’t have an LLC, and I’ve never needed a business license. The rep told me to go to my town to try and get one. No idea what I would need to ask my town for.

Has anyone else in a similar position (especially landlords) been able to get approved by BoA? Any insight into what kind of license they’re referring to?

Honestly, I’m about ready to move on and go with Amex instead. I have two big purchases coming up this week and didn’t expect this much hassle.

I'm pretty new to the business card world, looking for some advice. I've been going through the DPs on FicoForums.

• I have the world's tiniest business.

  • Sole proprietorship, EIN=SSN, a few official documents related to it (very little is required), no official piece of paper that says "TyrannicalDuncery runs this business." No DBA. It's been about a year.

  • I have a web store that has never sold anything, and I've made some money on freecash.

  • I will be paying income tax on this, as well as sales tax if I sell anything.

  • My "business plan" is to put slightly more things on the web store and do more deals on freecash.

• I have a W2 job, 100k-200k income, 1k rent, decent assets. My credit is pretty good, nothing bad in my consumer reports, but I've never had any credit besides cards. I've had a brokerage account with BofA for about a year.

• Obviously my business is a joke. I'm hoping I can overcome this by having a good relationship with BofA. Do you think I have a shot at the BofA Business Advantage cards, if I also put 100k in a brokerage account with them and open a checking account?

• Anything else I could do in order to improve my odds (other than scale up my business and improve my personal credit)?

• When you apply for these cards as a sole proprietorship, what kind of documents or details do they ask for about your business? Are there any ambiguous income fields where you could put your combined personal and business income?

• If you go to recon, what kind of questions do they ask you about your business?

So I know bofa has 7/12 if you have a checking account with them but does 7/12 only include personal cards or does it also include business cards?