Will banks use my personal credit history to see if I’m eligible for a small business credit card?
Answered on Wednesday, August 4th, 2010 by
James Williams

When you submit an application for a small business credit card, issuing bank reviews both your personal and business credit histories. To determine if they want to approve you for a credit card and what terms to qualify you for, they will pull both your credit reports. Make sure that business credit bureaus and personal credit bureaus have accurate information. Your valid business license and insurance are also good signs for the bank, proving you run a legitimate business. If you are just starting your own small business, you can apply for small business credit cards that may help you save money, earn rewards on business related purchases and build business credit.

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You can try applying for a personal loan to fund your business. Use our card match tool to see which loans and credit cards you can apply. Note that you may need a bank account to apply for some credit offers, so make sure you have one.

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You can apply for a credit card in your own name and use it for organization purposes. So you will bear all the responsibility for credit and your credit score will be affected. If you decide to apply for a credit card, make sure you answer credit history requirements before submitting the application. If you […]

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