Business Cards questions

[lexrjSD]

Is it true that business cards do not report on your credit? Is that for any of them?

Do they count on your AAOA?

[Anonymous]

Its true for some. Chase and Amex business cards do not report to personal credit, Capital One business cards do, others Im not certain about.
For those that dont report to personal credit there is no affect on AAoA

This will likely be moved to business credit soon

[Anonymous]

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@lexrjSD wrote:

Is it true that business cards do not report on your credit? Is that for any of them?

Do they count on your AAOA?

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@Anonymous is correct.  Apart from Capital One who reports to personal reports, Chase, Amex, Citi and US Bank do not report business cards to personal reports.

[chris288]

Just came across this thread and wanted to ask. All the above banks you have to PG correct?

Also if you do PG do they all pull all 3 bureaus? Or just Equifax and or Experian?

[silver_idle]

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@chris288 wrote:
Just came across this thread and wanted to ask. All the above banks you have to PG correct?

Also if you do PG do they all pull all 3 bureaus? Or just Equifax and or Experian?

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It would vary on the creditor. Some may pull all three, some may pull one or two

[Anonymous]

My Wells Fargo business visa doesn't show up on personal file at all. But I've read that it will if I default.

[Anonymous]

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@lexrjSD wrote:

Is it true that business cards do not report on your credit? Is that for any of them?

Do they count on your AAOA?

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Yes and No. It depends on the credit card (Capital One does) and the formation of your business. For example, if you are a Sole Proprietor, there is no distinction between your credit and the business. As your SS# is tied to the business for credit. If you have a Corp, LLC, etc..., then it just depends on the bank that the card is through.