Some Chase business cards now reporting on personal credit reports (Possibly unintended)

Business credit cards from most banks do not report to personal credit reports. When you apply for a business card, a hard inquiry will still likely show up on your personal credit report, but the account itself isn’t reported to consumer credit agencies by most major banks (with some exceptions) unless your account becomes delinquent. Over the weekend, numerous reports began circulating about Chase business accounts being reported to consumer credit reporting agencies. At this point, it is unclear whether this is a change in policy or an unintended change that can or will be resolved.

Doctor of Credit reported yesterday about data points on this. We also had a report in our Frequent Miler Insiders Facebook group from someone who said that they spoke with someone in the “executive office” at Chase who said that this was a change coming on 3/1 whereby all Chase business credit cards would be reported to consumer credit bureaus. The member of our group who reported speaking to someone “higher up” claimed that this was an intentional decision that would be retroactively reporting old accounts as of 3/1/25 and new accounts as of their first statement date after 3/1/25.

Personally, I think it is far too early to know for sure what’s happening here. A number of comments I’ve seen indicate that this has happened now in isolated instances in the past and has been possible to resolve with a call to the right department at Chase. This time around, it seems to be affecting far more people. That could be indicative of a policy change. On the flip side, I saw reports from other folks who were told that this is a known mistake that couldn’t be fixed until at least today. I want to emphasize that phone representatives — even supervisors and folks in offices or with titles that sound higher up — often get things wrong.

While I think it is far too early to know whether this will be a broad change or is an error, it is certainly worth keeping an eye on this developing situation. The main reason why many would be disappointed if this turned out to be an actual policy change is that it would mean that Chase business cards would add to one’s 5/24 count (and any utilization on one’s business cards would count in their utilization ratio, which could lower one’s score). We will continue to monitor for updates on this.

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