 TITLE: Is It More Important to Pay My Business Credit Card or My Personal Card? CONTENT: What's the Difference Between a Business and a Personal Credit Card?\n--------------------------------------------------------------------\nBusiness credit cards are designed to help you finance entrepreneurship, though they do not shift responsibility from you to your company. In fact, most issuers embed a personal guarantee into the agreement that permits it to hold you liable for repayment of any debt you accrue with the card, even if all the charges were for your business.\nBusiness credit cards may be reported to commercial credit bureaus, such as Experian Business and Dun & Bradstreet, as well as the three major consumer credit reporting bureaus—Experian, TransUnion and Equifax.\nPersonal credit cards, on the other hand, are for individuals to use. Your name is associated with the account, and as the owner you are fully responsible for the payments and debt. Personal credit cards can only be listed on your consumer credit reports, so they will have no direct impact on your business credit.\nPersonal credit cards are also covered by a number of consumer protection policies that don't apply to business cards. The Credit CARD Act is a federal law that was designed to protect consumers, but it only applies to personal credit cards. Among other things, it requires credit card issuers to communicate interest rates clearly and consistently, and to provide advance notice if they plan to change rates. END