Starting a business and wondering how a business credit card might affect your personal credit score? This video breaks down what really happens when you apply, how issuers may report activity, and what behaviors can impact your credit. You’ll learn about hard inquiries, credit utilization, missed payments, and the risks of using a personal card for business expenses—all while finding out how to stay organized as your business grows. 00:29 – Do business credit cards affect personal credit scores? 00:43 – Will applying for a business credit card cause a hard inquiry? 01:23 – Do business credit cards report to personal credit bureaus? 01:54 – Does business credit card utilization affect my personal score? 02:44 – What happens if I miss a payment? 03:09 – Can I use a personal credit card for business expenses? 03:56 – How tools can help you stay organized In this video, a small business owner shares her experience navigating business credit cards and how they can impact personal credit: • How applying for a business credit card can trigger a hard inquiry and temporarily affect your score. • The different ways issuers report (or don’t report) business credit card activity to personal credit bureaus. • How credit utilization works and why keeping balances low can help protect your score. • What happens if you miss a payment and how it can show up on your personal credit. • Whether it’s okay to use a personal credit card for business expenses, especially when you’re just starting out. Plus, learn how using the right tools can help you stay organized, manage expenses, and build strong financial habits as your business grows. No matter the size of your business or what stage you’re at in your journey, QuickBooks gives you the tools and expert resources to run and grow your business with confidence. Explore more to see how QuickBooks empowers business owners like you. And don’t forget to like, comment, and subscribe for more small business tips and how-to videos. #Intuit #QuickBooks

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