Explanation
Business credit scoring models penalize utilization above 30–50% on revolving accounts, particularly on business credit cards that report to consumer bureaus.
Many business credit cards report to personal bureaus (sometimes only on default), so high business card balances can impact the owner's personal score as well.
Examples
- •$3,000 balance ÷ $10,000 limit = 30%
- •Optimization target: under 10–30%
- •Pay before statement close to lower reported balance
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