In general, your business credit card should not have an effect on your personal credit. However, occasionally credit card issuers will report the business credit card activity on the primary business credit card holder’s personal credit report. If you’re paying off your business credit card on time, this can benefit your personal credit. But if you aren’t, it can have the opposite effect. In addition, sometimes card issuers will report your business credit card activity to your personal credit if you start missing payments.
You can customize your debit or credit cards with a second line. Have a favorite nickname, sports team or just something fun you want to include?