Hello Alice Small Business MasterCard FAQs

Hello Alice Small Business MasterCard FAQs

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  • Can I Transition To The Unsecured Card From The Hello Alice Small Business Secured Mastercard?

    Enjoy the rewards of established or improved credit. We'll periodically review your account, and with good payment history, you may be eligible for a credit limit increase and/or get your deposit b...

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  • Do payments get reported to business credit bureaus?

    Yes, payment history will be reported to the business credit bureau, Dun & Bradstreet.

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  • How can I do a Balance Transfer?

    You can do the balance transfer anytime in the first six (6) billing cycles by calling FNBO with 0.00% introductory APR for the first six billing cycles. After that, your APR for new balance transf...

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  • I have multiple businesses with unique EINs. Can I apply for each of my businesses?

    Yes, however due to the individual guaranty on small business, the personal credit would be pulled each time. Since this is a personally guaranteed card, the approved applications would all use an ...

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  • Is my personal or business credit checked?

    By clicking on the "Check Now" button you are providing "written instructions" to FNBO under the Fair Credit Reporting Act authorizing FNBO to obtain information from your personal credit report or...

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  • What are the qualifications for the Hello Alice Small Business Mastercard?

    We evaluate a number of different elements, attributes, and custom models, not just a FICO credit score and take them all into consideration when making the qualification decision. Decisions and of...

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  • What do I do if I've had my card lost or stolen?

    If you believe your Hello Alice Small Business Mastercard® has been either lost or stolen, please contact us immediately by calling our Hello Alice Small Business Mastercard® Support Line at 1-855-...

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  • What do I enter on the pre-qual application if I don't have a middle name?

    The middle initial field is not required, so you can leave this field blank if you do not have a middle name.

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  • What is a security deposit?

    A security deposit is required to obtain a Secured Credit Card. The amount of your security deposit is 100% of the amount of your credit limit. By submitting the application you are authorizing us ...

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  • What Is An APR?

    APR, or annual percentage rate, refers to the yearly interest a cardholder pays if you carry a balance. Simply put, it’s the cost of borrowing on a credit card. APR varies from card to card and may...

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  • What Is The Annual Fee For The Hello Alice Small Business Mastercard?

    There are $0 annual fees on the Hello Alice Small Business Mastercard. We offer a true small business card, with no annual fees so you can save money.¹

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  • What Is The Difference Between A Secured Vs. Unsecured Credit Card?

    Hello Alice offers two credit cards: an unsecured card with a revolving credit line, and a secured card. A secured card is a type of credit card that requires a security deposit in order to open an...

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  • What Is The Hello Alice Small Business Mastercard?

    The Hello Alice Small Business Mastercard® was designed to provide equitable access to working capital for small businesses while delivering best-in-class perks and rewards.  A card that grows with...

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  • What is the process for the secured deposit?

    The funds for the secured deposit should be available at the time you submit your application. There may be a waiting period of a few days until the funds are actually taken, but the funds should b...

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  • What rewards and benefits are offered with the Hello Alice Small Business Mastercard?

    Earn rewards and benefits including cash-back, gift cards, and exclusive access to Hello Alice business events and workshops. Get customized, on-demand business coaching to help you make critical d...

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  • What vendors/retailers are approved for earning the extra points on purchases?

    Merchants are assigned a merchant code, which is determined by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services they primarily sell...

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  • When will I know if my application was approved or declined?

    If you are presented with an offer and you submit the full application, you will receive a letter in the mail from the bank (FNBO) with the outcome/decision of your application. Generally this will...

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  • Which credit bureau(s) are used for the credit inquiry?

    We use Experian primarily but we can also use Equifax.  By clicking on the "Check Now" button you are providing "written instructions" to FNBO under the Fair Credit Reporting Act authorizing FNBO t...

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  • Who is a beneficial owner?

    A beneficial owner is an owner(s) who own 25% or more of the business. If you are a sole proprietor, you are the only beneficial owner. Each beneficial owner must be listed on the application under...

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  • Why are the dropdown fields not working on the first page of the full credit card application?

    This can happen when the user session is interrupted/disconnected during the application process. The pre-qual application will need to be completed in the same user session as the full application...

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  • Why Do I Need A Business Credit Card?

    Having access to business credit is the lifeline for any business owner. A business credit card enables companies of all sizes to obtain the vital capital needed to expand, purchase inventory or eq...

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  • Will my small business credit card be mailed to my business address or residential address?

    The Hello Alice Small Business Mastercard will be sent to the business address provided on the full credit card application. The business address is entered on the first page of the application und...

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