{"id":221246,"date":"2019-07-20T17:13:41","date_gmt":"2019-07-20T16:13:41","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=221246"},"modified":"2026-05-11T05:17:29","modified_gmt":"2026-05-11T04:17:29","slug":"can-a-business-card-affect-my-personal-credit","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-credit-cards\/can-a-business-card-affect-my-personal-credit","title":{"rendered":"Can a business credit card affect my personal credit?"},"content":{"rendered":"<p>Business credit cards provide a flexible line of credit that you can draw on as needed to boost business cash flow or pay unexpected bills. But while using a business credit card can help you build a business credit score, there are times when it might impact on your personal credit score, too. <\/p><h3>When could a business credit card affect my personal credit score?<\/h3><ul><li><strong>Applying for a business credit card.<\/strong> When you <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/how-to-get-a-business-credit-card\">apply for a business credit card<\/a>, a lender will always assess your business credit report. However, if your business is just starting out and doesn\u2019t have much of a trading or credit history, the lender will likely look at your personal credit report as well. This helps the provider determine your creditworthiness and whether it\u2019s happy to let you borrow. When a hard search is carried out on your <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">personal credit report<\/a>, you\u2019ll notice a slight dip in your credit score, but this is usually only temporary.<\/li><li><strong>If you\u2019re a sole trader.<\/strong> As a sole trader, you and the business are considered one legal entity, which means you\u2019re personally liable for your business debts &#8211; including if you have a business credit card. This means your personal credit score will be impacted, depending on how you manage your credit card. If you can\u2019t keep up with repayments, your personal credit score will suffer. This is also the case for partnerships if all partners are responsible for the company\u2019s debt.<\/li><li><strong>If you have a personal guarantee and default on your debt.<\/strong> Most business credit cards require a personal guarantee when you apply. This means that should your business default on the repayments or become insolvent, you will be personally liable for paying back the debt. If the lender calls on you to repay the debt from your personal accounts, this will harm your personal credit score.<\/li><\/ul><h3>How can I protect my personal and business credit scores?<\/h3><p>The following behaviours will help ensure you maintain a healthy business <em>and<\/em> personal credit score.<\/p><ul><li><strong>Pay your bills on time.<\/strong> If you pay your credit card bill on time, you won\u2019t have to worry about lenders retrieving debts from your personal accounts or having late payments reported to the major credit reference agencies (CRAs). Consumer CRAs include TransUnion, Equifax and Experian, while the major business CRAs are Experian, Equifax, CreditSafe and Dun &#038; Bradstreet.<\/li><li><strong>Stay under your credit limit.<\/strong> When you keep your credit utilisation low, it&#8217;s easier to qualify for other credit cards or business loans in the future. Exceeding your credit limit can also damage your credit score.<\/li><li><strong>Use your business credit card for business purchases only.<\/strong> This makes it easier to manage your finances and helps draw a line between your personal and business credit scores.<\/li><\/ul><h3>Can I get a business credit card that won\u2019t affect my personal credit?<\/h3><p>This depends on your situation. If you&#8217;re a sole trader, any type of debt you take on can affect your personal credit rating. If you\u2019re a limited company (which means it\u2019s a separate entity to you legally and financially), you might be able to find a credit card provider that doesn\u2019t require you to sign a personal guarantee, but they\u2019re not terribly common.<\/p><p>The key is making sure you use your business credit card carefully and ensure you make your repayments in full and on time. Remember that if you\u2019re the primary card holder, you\u2019ll be liable for repaying your business credit card debt even if the card you\u2019ve applied for doesn\u2019t affect your personal credit rating.<\/p><h3>Dos and don&#8217;ts<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Do<\/h4><ul class=\"list-1\"><li>Choose the best business credit card for your needs based on rates, terms and credit limits<\/li><li>Spend within your means<\/li><li>Regularly check both your business credit report and your personal credit report and get any errors corrected<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Don&#8217;t<\/h4><ul class=\"list-12\"><li>Exceed your credit limit<\/li><li>Use your business credit card for personal purchases<\/li><li>Fall behind on credit card repayments<\/li><\/ul><\/div><\/div><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What are the key differences between business and personal credit cards?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Business credit cards are designed specifically for work spending, which is why lenders assess your business credit score first.<\/p><p>Unlike personal credit cards, business credit cards often include features such as additional cards for employees, customisable spending limits for different users and expense tracking. They also tend to offer higher credit limits. <\/p><p>However, business credit cards don\u2019t usually offer interest-free spending as many personal credit cards do. Purchases made on a business credit card won\u2019t be covered by section 75 either, as they are with a personal credit card. This means you could find it harder to get your money back if something goes wrong. <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How do I apply for a business credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Most business credit card providers allow you to make applications online or over the phone. You&#8217;ll need to provide identification, proof of ownership and financial details for you and your business.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How do I find the best business credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This depends on your business requirements and circumstances. Many applicants like to consider the credit limit, interest rate and additional perks available. Our <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\">guide on business credit cards<\/a> can help you find the best business credit card for your needs.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3>Read about how different factors can affect your score<\/h3><div class=\"az-listing js-az-listing\">\n    <div class=\"hide-mobile\">\n        <div class=\"az-listing__nav\">\n                    <div class=\"az-listing__nav-letter\">\n                                   #\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   A\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#B\"> B <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#C\"> C <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#D\"> D <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   E\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   F\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#G\"> G <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   H\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#I\"> I <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   J\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   K\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#L\"> L <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   M\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   N\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#O\"> O <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#P\"> P <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Q\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   R\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#S\"> S <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   T\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#U\"> U <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   V\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   W\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   X\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Y\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Z\n                            <\/div>\n                <\/div>\n        <hr\/>\n    <\/div>\n        <div class=\"az-listing__items\">\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"B\" class=\"az-listing__header\">\n                B\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/paid-in-cash-credit-score\"> Being paid in cash <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/benefits-credit-score\"> Benefits <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"C\" class=\"az-listing__header\">\n                C\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/can-a-business-card-affect-my-personal-credit\"> Company credit card <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/council-tax-arrears-credit-score\"> Council tax arrears <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/ccjs-credit-score\"> County court judgements (CCJs) <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/cash-advance-credit-score\"> Credit card cash advances <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"D\" class=\"az-listing__header\">\n                D\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/debt-consolidation\/debt-consolidation-credit-score\"> Debt consolidation <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"G\" class=\"az-listing__header\">\n                G\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/gambling-credit-score\"> Gambling <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"I\" class=\"az-listing__header\">\n                I\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/iva-credit-score\"> Individual voluntary agreement (IVA) <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"L\" class=\"az-listing__header\">\n                L\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/loan-applications-credit-score\"> Loan applications <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"O\" class=\"az-listing__header\">\n                O\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/other-people-credit-score\"> Other people <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/overdrafts-and-your-credit-score\"> Overdraft <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"P\" class=\"az-listing__header\">\n                P\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/parking-tickets-speeding-tickets-credit-score\"> Parking tickets or speeding tickets <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/payday-loans-credit-score\"> Payday loans <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"S\" class=\"az-listing__header\">\n                S\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/student-loans-affect-credit-score\"> Student loan <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score\"> Switching banks <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"U\" class=\"az-listing__header\">\n                U\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/utility-bills-credit-score\"> Utility bills <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n            <\/div>\n        <\/div>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Learn when your personal credit score could be affected by business credit card use.<\/p>\n","protected":false},"author":1047,"featured_media":221247,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Personal credit score","_yoast_wpseo_title":"Can a business credit card affect my personal credit? | Finder UK","_yoast_wpseo_metadesc":"There are certain scenarios where a business credit card can affect your personal credit score.\u00a0Our guide explores when this could happen and what to do.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"195","post_co_author_date":"2024-02-12T16:34:04","post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"2023-10-13T10:36:48","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2023-10-13 09:36:48\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated parts of this article to ensure information is up to date. \"}","_last_major_update":"","feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[2296],"tags":[],"asset_tag":[],"class_list":["post-221246","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Can a business credit card affect my personal credit? 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