Personal credit utilization has been pretty easy to accumlate when we have usage - comes back up pretty fast when we pay it back. I have never had anything but PIF for my business credit card but not sure if the rules apply for the utilization. Looking to make a large purchase on my business side and it will take some time to pay it back. I understand the Net-30 examples with repay on invoices and how that effects your business credit score but how does the it work with the CC? Can someone point me to a reference or explain how business score utilization with the business CC works for me - thanks a lot!!