The major benefit to having a business credit card (and business bank account) is to help keep business activity separate from personal. A secondary benefit is the potential access to additional credit without any impact on your personal credit report. The key is to know which issuers do and don't report business credit to personal credit.
The folks at @usnews have put together a nice list of issuers as they relate to this topic. In summary, Barclays, Capital One and Discover primarily DO report business to personal, while @americanexpress, @bankofamerica, @chase, @citi, and @wellsfargo primarily DO NOT report business to personal. Try and stick with the latter issuers.
Here is a link to the full article: https://creditcards.usnews.com/articles/do-business-credit-cards-affect-your-personal-credit
"Every day I saw my mother going to work. Day in and day out clocking into a job only to report to the next one once that shift was over.
She was exhausted from work still having to come home to her children and cater to our needs.
As a child, you don’t understand the financial impact of the things you want vs the things you need. The only thing you understand is I don’t have this.
My mom worked hard and sometimes fell short of what she had imagined for her family. 📌 we lived in transitional housing to help my mother get ahead. 📌 we were sponsored by families just so my brother and I could have gifts under the Christmas tree. 📌 we didn’t always have the newest clothes which lead to a very hard school experience because kids are mean. 📌 we watched our school peers receive expensive gifts and lavish parties and it left a mark on our confidence. 📌 my mother had a credit score in the low 500s making it difficult to acquire reliable cars and homes in productive neighborhoods.
By high school, my mother managed to purchase her first house. Our first house. She was roughly 45. That house we ended up losing a few years later to foreclosure. While she tried everything to get ahead the income and credit were certainly a hindrance.
This is not to bash my mother. In fact, I admire her. Every day she felt like giving up and kept going with the desire to give us a life. 📌 while I went to college and graduated. I didn’t receive any financial help from family and not because they didn’t want to, but because they couldn’t afford to.
Now I am approaching 30 and have accomplished things that make my mother so proud. ‼️ I closed on my first home BEFORE 30 ‼️ I help people take charge of their financial experience. ‼️ I have a 700+ credit score ‼️ I own both land and property ‼️ I own multiple companies that assist people in getting ahead.
All because I decided to take my credit and financial habits seriously.
My mother's struggle showed me exactly what I didn’t want.
I didn’t understand credit or the impacts but I knew wanted to break the generational curses." --- Whitley D, Co Founder of Gray Financial Solutions
1 425 November, 2019
“My journey into adulthood was rough but somehow I seem to be getting it right. 📍Bought our first house. 📍Bought land to build our first income property.
📍Jumped my credit up but 150 points.
I’m so lucky to have had someone in my life not only teach me the importance of credit but also help me improve it ‼️ ✂️When I first met her I was living paycheck to paycheck, barely. (Half off my bills couldn’t even get paid on time. Queen of payment arrangements 🙄) ✂️My credit was in the LOW 500s and that’s being generous. ✂️I blew all my money on dumb stuff and had nothing to show for it, except a bunch of dumb stuff. ✂️I was struggling so much i couldn’t even put gas in my car. I applied for a gas card and got DENIED! ✂️Emotionally I was heavy and exhausted. Everyday I felt like giving up. •
💰Instead of partying, she taught me the importance of property and we later bought some—both land and property. 💰Instead of watching me buy designer, she helped me boost my credit quickly and legally. 💰Instead of spending money on dumb shit that depreciates she LLC’d joint companies with me. —
After changing my life completely we decided we wanted to help more people the way she helped me. •
I am so excited to be a part of this.
Coming from a place of struggle the majority of my life its pretty lit to see me here now.”
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Never dispute items online. You will not have any written records of your dispute or return receipt. Plus you are making it easy for the credit bureaus. Always sent disputes via U.S. mail and include your name, SSN and correct mailing address.
I will never be broke another day in my life! This is one of my favorite reminders, would I say my affirmations I start with this one and then I flow to the next one and next one. What are your favorite affirmations?
5 2212 November, 2019
🙅🏽♀️ 1. Failing to dispute with credit bureaus first
2. Failing to document your efforts
3. Disputing items online
4. Being unrealistic
5. Giving up
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