topic Re: Do these Business cards report to Personal credit monthly in Business Credit

Do these Business cards report to Personal credit monthly

msmjj01 — Mon, 09 Sep 2024 01:39:46 GMT

Business cards could affect m personal credit profile monthly if I'm fixing my personal repair credit?

Aviator Business

Chase Ink Preffered

Spark (I asked capital one and they said they do report monthly to my personal, is she correct)

BofA unlimited

AMEX Gold, Blue, Hilton, MARRIOT,

Re: Do these Business cards report to Personal credit monthly

pizzadude — Mon, 09 Sep 2024 04:48:35 GMT

You can check this stickied thread for details, but out of the creditors you posted both Barclays and Cap1 will appear on personal and biz reports.

Re: Do these Business cards report to Personal credit monthly

SouthJamaica — Mon, 09 Sep 2024 04:56:09 GMT

@msmjj01 wrote:
Business cards could affect m personal credit profile monthly if I'm fixing my personal repair credit?
Aviator Business
Chase Ink Preffered
Spark (I asked capital one and they said they do report monthly to my personal, is she correct)
BofA unlimited

AMEX Gold, Blue, Hilton, MARRIOT,

Aviator no (I think)

Chase Ink no

Capital One Spark yes

BofA no

If the Amex cards are business cards, no

Re: Do these Business cards report to Personal credit monthly

coldfusion — Mon, 09 Sep 2024 12:09:02 GMT

Caveat: they all will report the derog if you were a personal guarantor and the account goes delinquent.

Re: Do these Business cards report to Personal credit monthly

pizzadude — Mon, 09 Sep 2024 14:15:55 GMT

Yeah I re-read the chatter in the stickied thread and it seems there were "mixed reports" on Barclay, so maybe someone can verify this one?

Also the above post is correct, PG'd biz cards that go bad will pop up on personal reports as well.

Re: Do these Business cards report to Personal credit monthly

SouthJamaica — Mon, 09 Sep 2024 15:14:49 GMT

@pizzadude wrote:
Yeah I re-read the chatter in the stickied thread and it seems there were "mixed reports" on Barclay, so maybe someone can verify this one?

Also the above post is correct, PG'd biz cards that go bad will pop up on personal reports as well.

According to this 2023 article Barclays does report to personal:

https://wallethub.com/answers/cc/does-barclays-business-credit-card-report-to-personal-credit-1000447-2140859431/

According to this 2022 article Barclays business cards traditionally did not report to personal, but there had been instances of it reporting.

https://www.doctorofcredit.com/has-barclays-started-reporting-business-cards-to-personal-reports-maybe-datapoints-needed/

This 2022 article says there had been instances of the Wyndham business card reporting to personal:

https://helpmebuildcredit.com/which-business-cards-do-not-report-on-your-personal-credit-report/

According to this 2023 article they do not report:

https://travel-on-points.com/knowing-which-business-cards-affect-5-24/

Re: Do these Business cards report to Personal credit monthly

fullstackdev — Sat, 28 Sep 2024 05:34:25 GMT

My experience with the CapOne Spark reporting to personal credit has been inconsistent. I opened the account in 02/2017, never late, still open.

It has never been reported to TU at all.
Last reported to EQ in 12/2021.
And reports to EX every month.

Re: Do these Business cards report to Personal credit monthly

danielvn — Sat, 04 Jan 2025 15:27:20 GMT

@fullstackdev

Thank you so much for your input
Any chance you can help me please elaborate further?
Which exactly Cap1 Spark card do you have? There are many versions of the C1 Spark card:
1- Spark 1% Classic
2- Spark 1.5% Cash Select
3- Spark 2% Cash
4- Spark 2% Cash Plus
5- Spark 2X Miles
6- Spark 1.5X Miles Select
Thanks!

Re: Do these Business cards report to Personal credit monthly

JoeRockhead — Sat, 04 Jan 2025 15:41:58 GMT

@danielvn wrote:
@fullstackdev

Thank you so much for your input
Any chance you can help me please elaborate further?
Which exactly Cap1 Spark card do you have? There are many versions of the C1 Spark card:
1- Spark 1% Classic
2- Spark 1.5% Cash Select
3- Spark 2% Cash
4- Spark 2% Cash Plus
5- Spark 2X Miles
6- Spark 1.5X Miles Select
Thanks!

@danielvn The only Capital One business cards that don't report all activity to personal reports are the Spark Cash Plus and the Venture X Business. These will report delinquencies to personal. All other Cap One business cards will report all activity to personal reports.

Re: Do these Business cards report to Personal credit monthly

danielvn — Sat, 04 Jan 2025 15:43:20 GMT

@fullstackdev thanks!!

Re: Do these Business cards report to Personal credit monthly

fullstackdev — Sat, 04 Jan 2025 16:49:39 GMT

@danielvn I have the Spark Cash Select.

Re: Do these Business cards report to Personal credit monthly

danielvn — Sat, 04 Jan 2025 17:06:40 GMT

@fullstackdev so what you're saying is that
Your Spark 1.5% Cash select :
- Has never reported to TransU
- Did report to Equifax but has stopped since Dec 2021
- Still reporting to Experian every month?
This is such an interesting DP.
Do you think it is like this because you opened the card in 2017 - but it would report to all 3 personal CRAs if you were to open the card these days?