 TITLE: 7 Surprising Things That Can Affect Your Credit CONTENT: 3\\. Business Credit Cards\n-------------------------\nBusiness credit cards can be a great way for new and seasoned business owners to pay for everyday expenses and take advantage of rewards and benefits. But while the card is in your business's name, it may still impact your personal credit.\nThis is primarily because most business credit card issuers require a personal guarantee when you apply for an account. In other words, if your business can't repay what it owes, you're personally responsible for paying the debt. If you don't, the card issuer may report the delinquency to the consumer credit bureaus, which can hurt your credit.\nWhat's more, some business credit card issuers actually report all of your account activity to the consumer credit bureaus. Capital One and Discover are two major card issuers that do this. END