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What is credit card stacking and how does it work?
Small business owners combine multiple 0% APR credit cards for fast unsecured funding but risk personal credit damage, high fees, and overwhelming debt, experts warn.
- Small business owners are increasingly turning to credit card stacking to combine multiple business credit cards into one larger unsecured funding line.
- Owners pursue stacking to avoid collateral requirements and equity dilution, leveraging 0% APR promotions and staggered interest-free periods to extend runway before interest applies.
- Apply for several cards within a short window, often a one- to two-week application window, with approvals in minutes and combined limits reaching $35,000 or roughly $100,000.
- Owners face personal liability and credit-score risk, as many cards require a personal guarantee, and penalty APR 29.99% can lead to bankruptcy if promos end unpaid.
- Specialized credit card stacking companies/services charge fees, sometimes $2,000 to $5,000 or more, but many DIY applicants save money, and experts say paying someone is often not worthwhile.
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24 Articles
24 Articles
Helena Independent Record+23 Reposted by 23 other sources
What is credit card stacking and how does it work?
Brex reports that credit card stacking allows small business owners to quickly access multiple credit cards to boost funding, but it carries risks including high interest rates and potential debt.
·Helena, United States
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Total News Sources24
Leaning Left3Leaning Right0Center20Last UpdatedBias Distribution87% Center
Bias Distribution
- 87% of the sources are Center
87% Center
13%
C 87%
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