does a business credit card affect personal credit score

Yes, a business credit card can impact your personal credit score, though the extent depends on the card issuer's policy.

• Applying for the card often involves a 'hard inquiry' on your personal credit report, which can cause a small, temporary dip in your score.
• Most cards require a personal guarantee, making you personally liable for the debt.
• If you miss payments or the account becomes seriously delinquent, the issuer may report this negative activity to consumer credit bureaus, which will significantly harm your personal score.