How does a business card affect my personal credit... - Credit Cards for Business FAQ


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Credit Card Applications » Questions » FAQs » Credit Cards for Business » How does a business card affect my personal credit score?

How does a business card affect my personal credit score?

Answered on | Updated on February 10th, 2013
The content is accurate at the time of publication and is subject to change.

Separating your business credit from your personal credit is a smart move, and getting a business credit card is a great way to do this. There are specialized business credit bureaus that track the behavior of business credit card holders.

If your business has a separate tax ID, use that to apply for your business credit card. That way the account activity will not be reported on your personal credit history. In some cases you will still ultimately be liable for the line of credit extended to your business, so make sure to ask your issuer about this when you apply.

Having a separate tax ID for your business and using a business credit card for your business purchases and a consumer card for your personal purchases is the best way to keep your business and personal credit separate.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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