Citibank corporate credit cards

RandN

So I've just had a call from my partner - travelling with work in the US at the moment.

Basically she has a corporate credit card for work (works for large engineering company) and when she travels it is used for food, fuel, flights, hotels etc. It is supplied by HSBC.

She got an email today saying that as of Feb 20th, they are changing supplier and all corporate credit cards will be supplied by Citibank and in order to get one each person needs to apply online on the Citi website.

Now her credit isn't very good at all. We have spent about a year trying to get things cleared as best as possible. But there were alot of missed payments, late payments etc before that and some credit cards were sold onto the likes of moorcroft etc. So her credit is pretty poor. How will she stand in the likes of applying for company credit? She is very high up in the company and it would be very embarrassing to be turned down - plus lots of travel with no credit card would be very difficult due to the nature of the business.

Any thoughts anyone?

leicsmarkyr

RandN wrote: »

So I've just had a call from my partner - travelling with work in the US at the moment.

Basically she has a corporate credit card for work (works for large engineering company) and when she travels it is used for food, fuel, flights, hotels etc. It is supplied by HSBC.

She got an email today saying that as of Feb 20th, they are changing supplier and all corporate credit cards will be supplied by Citibank and in order to get one each person needs to apply online on the Citi website.

Now her credit isn't very good at all. We have spent about a year trying to get things cleared as best as possible. But there were alot of missed payments, late payments etc before that and some credit cards were sold onto the likes of moorcroft etc. So her credit is pretty poor. How will she stand in the likes of applying for company credit? She is very high up in the company and it would be very embarrassing to be turned down - plus lots of travel with no credit card would be very difficult due to the nature of the business.

Any thoughts anyone?

I maybe wrong but if it is a corporate card, then there is no personal credit check.

Bravehearted_2

Corporate cards DO personal credit checks and do refuse people.

I work at a global consulting firm and although we have corporate Amexs its the same process and I've heard of bad credit people being refused.

What she needs to do IF she gets refused (because she may be accepted despite her bad file) is have the company guarantee the card - so rather than the usual personal liability, the firm will be responsible for guaranteeing if she defaults. She will still be the one spending for work then paying back after claiming it on expenses. But if she stops paying, then its the firm Citi write to.

Embarassing, yes - but not much choice really. As I say, she may not even be refused.

RandN

I had kind of wondered if the credit search they do would be a little bit more lenient bearing in mind it would be the company paying the bills. But we shall see what happens. She is away in US for 2 weeks from 21st Feb and the old cards are all to be given back by the 20th so it's all a bit stressful

Thanks for the replies!

k12479

She should be fine, I recently got a Citi Corporate card and it specfically said, either on the Citi documents or the company ones, that they don't get any personal info about you, other than the basics, and don't do a credit check. The company, at least where I work, remain liable for the card.

RandN

k12479 did you have to apply for it online? This is the bit I didn't understand - they all have to fill in some sort of application online.

The way it works at the moment is that they can do as much company related spending on it as they need to - ie flights, hotels, fuel, stationary, food and the bill gets cleared each month by the company. Then receipts need to be kept for everything and filed away and if there are any discrepencies then you pay them to the company - there never have been any. But sometimes I know that people lift cash for taxis etc in Euro/Dollar/Sterling and don't need all of it so just hand in the surplus when they return. So really she will not be liable to pay for any of the debt on the card which is why I don't understand how they would justify a personal credit check.

k12479

Yes, I did but it was through the corporate part of the website and the questions/form were less involved than for a personal credit card - don't recall anything about income, debts, NI number, etc. it was more just name, address, etc. When it was all filled in, I was registered with a username and it said my application was awaiting approval, but this was approval from my employer's credit card administrator.