Impact of biz cards util on personal cards with same lender

[red259]

I posted this in the biz forum and did not get much of a response. The question really applies to the impact biz cards have on personal cards so I am reposting here since it seems like the appropriate category:

This is hypothetical, but let's say having over 30% util will cause lenders to take AA against your accounts. Now let's say that you have a business card that does not report to your credit report and you have 25% overall util on the business card but 9% util on all personal cards. Since the biz card does not report I can understand other lenders not taking AA, because they do not see your biz card util but what about a lender you have both a personal and biz card with. Will that lender take AA on your personal cards due to high balances on a biz account assuming you make the required min payments?

[Creditaddict]

it's going to depend on the bank.

some business and personal are so different in divisions that they wouldn't know each other existed!

[Burned2manybridgesB4]

+1

Using Amex for an example, having been the user of a delta from a former employer, on top of my personals, I had never enountered an issue.

[lord_kinbote]

Creditaddict; Holy smokes.  45 cards.  SO, you list your scores around 670ish.  What is negative factor that is keeping your score down - 45 cards?!? or something else?  Thanks!

[red259]

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@Creditaddict wrote:

it's going to depend on the bank.

some business and personal are so different in divisions that they wouldn't know each other existed!

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Any idea on if Chase is one of those banks where biz and personal cards are totally independent?

[jamesdwi]

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@akula wrote:

Creditaddict; Holy smokes.  45 cards.  SO, you list your scores around 670ish.  What is negative factor that is keeping your score down - 45 cards?!? or something else?  Thanks!

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I am sure its  AAoA, INQ's, and the number of new TL's.  Yes having a lot of cards make your AAoA bullet proof, but adding cards every month may keep it at the same value for a month, when it would of grown by a month if you didn't recieve another card.