The 22nd State Bank is a business credit card from 22nd State Bank. Application typically pulls a hard report from Experian. The annual fee is $79 Annual Fee. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus.. EXPERT REFERENCE (Mar 2025): Approved for a $25k line with Citizens Bank through the Business Everyday Points credit card. | EXPERT REFERENCE (Mar 2025): Provided 6 months of bank statements, though only 3 months were requested. | EXPERT REFERENCE (Mar 2025): Personal credit scores: TransUnion 693, Experian 702, Equifax 692. | EXPERT REFERENCE (Mar 2025): Utilization: Individual personal credit card utilization ranges from 0% to 67%, overall about 42%.