The moment it's easier said than done, if you're able to pay your charge cards down to zero, then you ought to realize your score increase if you completed a balance previously. Another reason why you're in need of a business credit card is for those who don't have a proven small business credit. As a freelancer it is difficult to understand whether a business credit card is suitable for you. A company credit card is a good means to create that differentiation. Moreover, it's easier to qualify when you have a good credit history. Most business charge cards will not impact your own personal credit score but if they do, late payments may interfere with your capacity to take on traditional loans once the company grows.