Does my business credit card show up in my credit report?

[mckeesport_alum]

I have business cards from American Express, Chase, and Capital One. None of them show up on my personal credit report and none of them are tied to my EIN. Unless you check your credit report or contact the credit card company's customer service it is impossible to know.

[Tallysmom]

Originally Posted by sonarrat

I'm curious, what law does this break? I'm not trying to be a smartass, I'm just wondering what one would be accused of if they did this.

In some business set ups there is strict "no mingling". Usually more a larger business thing. Government is like that -- that's why it makes the news out here when some government person spends money like water on their government credit card for personal things.

When it happens (and it does because when you carry more than one card you grab for the wrong one occasionally) the government employee is supposed to pay it back. But when it's thousands of dollars, you know they are pulling something.

I would think it's against the law because of taxes -- often corporate debt is taxed at a far more congenial rate than personal debt. But if it is truly personal debt you are getting away with defrauding the IRS.

You know the saying -- death and taxes -- two things you can't get away from.

[Mircea]

Originally Posted by CappyR

I'm trying to figure out if my 'business' credit card effects my credit report so I can know if I'm building credit when I use it.

Personal credit reports use social security numbers as a unique identifier.

Business credit uses the TIN you got from the IRS.