Meet your business credit card support team
Guidance for business credit cards is readily available. Here’s how U.S. Bank experts can assist you each step of the way.
Tags: Banking basics, Best practices, Cash flow
Published: April 21, 2021
Starting and managing your business has many components, but fortunately you don’t have to do it alone. Utilizing available resources can ease the process, and banking professionals are equipped to offer guidance from the moment you apply for a business credit card. Here are some of the experts you can rely on throughout the process.
Business banking specialists
If you’re in the process of applying for or setting up your business credit card, a business banking specialist (BBS) can facilitate this process as your go-to contact. “They could help add signers and answer any questions when it comes to the cards,” says Mark Patterson, vice president and high value business card team manager at U.S. Bank.
The BBS can also advise on what would be best for the business’ cash flow, and how this would benefit company operations. “The BBS deals with businesses all day long and sees how they’re structured,” adds Mark. “Their 100% focus is driving new business, taking care of and continuing to expand that relationship as business grows.”
Additionally, if you have concerns about your credit – which is a key step in credit card approval – a BBS can provide high-level advice without delving into the specifics of a credit report. “What they would probably do is suggest getting a secured personal card, like the U.S. Bank Secured Visa ® Card, to move some of the expenses that you were using on a debit card,” says Mark. When you move expenses from a debit card to your business credit card, you can start earning rewards.
Local branch managers
Another one of the primary individuals who can advocate for you when setting up your business credit card is a local branch manager. Branch managers are well-versed in all banking processes and are able to assist with setting up a card and answering questions, similar to a BBS. The branch manager has a broader role with less focus on business specifically, but they can offer general support.
According to Timothy Menoher, vice president of high value business card sales and acquisitions at U.S. Bank, the branch manager is always ready to consult and help you learn more about the process. They’ll work with you to find solutions that work for your business as a whole. “They can really help guide you, not just from a card standpoint, but any credit solution that you might need,” he says.
“The branch manager wears a lot of hats,” adds Mark. “They’re geared towards coaching their employees, but they still have that skill set of walking business customers through setting up an account or setting up a business credit card.”
Cardmember services
Once you have your business credit card successfully set up, you can rely on Cardmember Services for maintenance and ongoing support at any time. Cardmember Services can help with fraud and set up any third-party expense software your business may need, and a majority of this can be done over the phone.
While you can also contact your BBS or local branch manager, Cardmember Services is a convenient option for immediate assistance, and for those who prefer not to go into a brick-and-mortar branch. These specialists can be reached at 1-800-285-8585.
How to get connected during COVID-19
Although COVID-19 continues to limit in-person interactions, there are several ways to connect with an expect directly and receive support with your business credit card needs. If you’re comfortable attending an in-person meetings with protective masks, you have the option to schedule an appointment or walk into a branch. If you’re a business customer, the BBS or branch manager will be part of your meeting in these situations.
If you prefer to get connected from home, you can speak with a professional over the phone. Video meetings are available as well. However you choose to seek support, professional experts are here for you and ready to help you succeed.
Learn more about U.S. Bank credit card options and how we can help your business succeed.
Investment and Insurance products and services including annuities are:
Not a Deposit ● Not FDIC Insured ● May Lose Value ● Not Bank Guaranteed ● Not Insured by any Federal Government Agency
U.S. Wealth Management – U.S. Bank and U.S. Bancorp Investments is the marketing logo for U.S. Bank and its affiliate U.S. Bancorp Investments.
The information provided represents the opinion of U.S. Bank and U.S. Bancorp Investments and is not intended to be a forecast of future events or guarantee of future results. It is not intended to provide specific investment advice and should not be construed as an offering of securities or recommendation to invest. Not for use as a primary basis of investment decisions. Not to be construed to meet the needs of any particular investor. Not a representation or solicitation or an offer to sell/buy any security. Investors should consult with their investment professional for advice concerning their particular situation.
U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.
For U.S. Bank:
Equal Housing Lender.
Deposit products are offered by U.S. Bank National Association. Member FDIC. Mortgage, home equity and credit products offered by U.S. Bank National Association. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.
U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.
For U.S. Bancorp Investments:
Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.
U.S. Bancorp Investments is registered with the Securities and Exchange Commission as both a broker-dealer and an investment adviser. To understand how brokerage and investment advisory services and fees differ, the Client Relationship Summary and Regulation Best Interest Disclosure are available for you to review.
Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License #OE24641.
Pursuant to the Securities Exchange Act of 1934, U.S. Bancorp Investments must provide clients with certain financial information. The U.S. Bancorp Investments Statement of Financial Condition is available for you to review, print and download.
The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1.800.289.9999 or via https://brokercheck.finra.org. An investor brochure describing BrokerCheck is also available through FINRA.
U.S. Bancorp Investments Order Processing Information.
© 2021 U.S. Bancorp
