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Which Bank Biz Cards Report To Biz Credit Reports?

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Valued Contributor

Which Bank Biz Cards Report To Biz Credit Reports?

Hi All, 

 

When looking to open business credit cards, something that influences my decisions are:

  • Which banks report business card activity to business credit reports?
  • Which banks report business card activity to personal credit reports?
  • Which banks report business card activity to which business credit reporting agencies? (D&B, SBFE, EX & EQ)

I think some of us have searched for this at one point or another. Came across a link (thanks @Revelate) that had it so wanted to share a brief chart that answers those questions in case anyone else was thinking the same. This is just to share banking practices, and who banks engage when you open up a business credit card with them. These are always subject to change and very much a YMMV situation, but it's nice to have a reference point. We're just sharing our personal experiences and lumping them onto a consolidated list. Between other sites and here, I just pulled the DP's together to show in spot. 

 

The list I don't have (and if someone does please share) is which banks pull which Business CRA's from below when applying for business cards. Hope this helps! Link: https://www.creditcardinsider.com/learn/definitive-guide-building-business-credit/#credit-card-issue... 

 

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66 REPLIES 66
Moderator

Re: Which Bank Biz Cards Report To Biz Credit Reports?

Cap1 Certainly reports back to EQ business(at least negatives) as had a business account with them 7 years ago until recently it has haunted me as off personal EQ report early due to EE, but remained on EQ business and caused a few denials with Citi Business which Citi used on their business CC decisio making progress along with Personal Ex or Eq or both.  Sole reason on AA denial for Citi was EQ business and was from Cap1 just to fill the matrix in a bit more.  Believe my EQ business is clean now as heard BofA pulls EQ business as well although not 100% certain on that so unless someone can confirm that don't etch that in stone yet.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | 5/3rd | Synovus | Commerce | FNBO | Union Bank | Regions
Message 2 of 67
Valued Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?

Good to know - I just updated it! 

Message 3 of 67
Frequent Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?

Great Post! I’ve been trying to piece this information together for a while. Very helpful.

Strange that Cap One reports to personal credit file.
Message 4 of 67
Frequent Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?

BoA business card does pull EX Business report. I just got an alert when I applied.

Also HP on TU.
Message 5 of 67
Super Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?

The only ones I know of which report to personal credit are Capital One, TD Bank, and Discover.


FICO 8: EQ 735 TU 760 EX 729 Total revolving limits 719k (592500 reporting)
Message 6 of 67
Valued Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?


@LittleSal wrote:
Great Post! I’ve been trying to piece this information together for a while. Very helpful.

Strange that Cap One reports to personal credit file.

It is odd, but they do show up. I understand the credit report has a small note that says "Small Business Account", but its stats are factored in like every other personal card. Payment history, utilization, limits, etc. 

Message 7 of 67
Valued Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?


@SouthJamaica wrote:

The only ones I know of which report to personal credit are Capital One, TD Bank, and Discover.


Do you know if it reports both positive and negative info on the personal report for TD Bank? I can add it to our list

Message 8 of 67
Frequent Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?

I would caution everyone that Your Experience May Vary with respect to the charts above.

 

Message 9 of 67
Super Contributor

Re: Which Bank Biz Cards Report To Biz Credit Reports?


@credit_is_crack wrote:

@SouthJamaica wrote:

The only ones I know of which report to personal credit are Capital One, TD Bank, and Discover.


Do you know if it reports both positive and negative info on the personal report for TD Bank? I can add it to our list


Yes that's what I mean when I say it reports to personal credit. Because they all report negative stuff to personal credit as far as I know.

 

It just reports the same information to your personal credit as a personal credit card would.

 

Which for me is bad because I want to be able to use the business card freely, without having to think about how it might affect utilization.


FICO 8: EQ 735 TU 760 EX 729 Total revolving limits 719k (592500 reporting)
Message 10 of 67
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