 TITLE: Does My Company Credit Card Affect My Credit Score? CONTENT: Why Does My Small Business Card Have an Effect on My Credit Score?\n------------------------------------------------------------------\nWhen you open a small business credit card as the primary account holder, you're offering your personal guarantee of repayment. Even though you may be using the card solely for business expenses, the process is really no different from applying for a personal credit card. This means that the card issuer will check your credit history and credit score before approving your account, just like they would for a personal credit card. Likewise, your balance and payment history will likely be reported to the major consumer credit bureaus (Experian, TransUnion and Equifax).\nWhen you make your payments on time and carry very little debt, your small business credit card can add positive information to your credit history and improve your credit scores. But if you miss payments and accumulate a large amount of debt, then your small business credit card can have a negative impact on your credit history and scores.\nEven if you are just an authorized user on your employer's small business credit card, it can still have an impact on your credit score, but a less significant one. If your employer manages its small business credit card responsibly, it can actually help your credit history. But if your employer's card is managed poorly, or carries a large balance, then that can be reflected on your credit history and credit score. END