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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My Chase Business Unlimited was reported on my personal credit today and my score dropped 47 points. I immediately called Chase and was transferred to the escalated team that handles credit reporting. She said the fix has been implemented since yesterday 3/6 and may take 3-5 business days. She said if you are in the middle of escrow/loan application, they can send your lender a letter via fax. We’ll see what happens.
They’re also reporting the wrong information too. They reported my credit limit with the “Flex for Business Limit” which is $4k for me instead of the actual credit limit of $20k on my account causing my score to plummet 100+ points from apparently being “overlimit”. This is ridiculous, now I have to waste time filing disputes with all the bureaus.
DP: Ink Unlimited from AUG 2024 recently showed up on my credit report. Ink Preferred, Ink Cash, and United Business all not showing. I’ll follow up with Chase and report back.
same – i’m secure messaging them now
Just spoke with a Chase rep, he immediately knew what I was talking about. He said it’s a technical error that Chase is working to fix asap. He said it’s a widespread issue. He said he was told that all accounts would be fixed within 30 days or sooner. Fortunately, I don’t have any significant credit requests needed now and also I have no balance on the card so it didn’t impact my credit score. I feel bad for the poor soles in the middle of getting an important loan!
I opened a chase ink September 2024, it just got reported to my personal credit score so I got 1 hard inquiry and my expirian credit score dropped 18 points. This is cray! Should I call? Or wait 30 days?
Thanks
chase ink reported to my personal credit all 3 tu was first then ex then eq was told it is going to be fixed in 30 days
Not an error or mistake. I opened a Chase Business Inc. Cash in mid-fall 2024. Nothing has been reported up until now, except for the hard inquiry for that day. I opened up my credit score and credit report today, and my TransUnion dropped about 72 points, because Chase decided to report my business credit card to my personal credit report. Which is quite a surprise, and give me a big shock. It’s a little upsetting, because I was watching my credit card on Chase like a hawk, because I heard that being late would cause it to report to the personal. So now Chase has retroactively destroyed my credit score, and there’s no recourse. Even though they are reporting business credit card usage, to your personal credit report. Which seems like a huge violation of some law or code. But of course these corporations are allowed to do whatever they want. And we have no say in the decisions or the consequences
They informed me that this was a glitch, and they messed up! The agent even apologized, stating that they were aware of the issue and that it was not limited to my case.
I opened my Chase Ink business credit card several years ago, but it unexpectedly appeared on my personal credit report after 2/27/2025. Chase just sent me a fax with the following message (I’ve redacted my business information):
In my case, I called 800-945-2028, but I recommend checking with Chase Bank for the most updated phone number. Ask to speak with the Credit Reporting Department—they don’t have a direct line.
If they try to tell you that the account is being reported because you’re a signer on the card, that is not true. I confirmed with the Credit Reporting Department that the previous representatives were misinformed. When you speak with them, they may be able to help you if your situation is similar to mine.
Just FYI: My credit score dropped 143 points—from 819 to 676—and I’m in the middle of buying a house! This happened at the worst time possible! Isn’t that just awesome, Chase Bank?!!!
I can confirm that “A A” is correct. I just hung up after speaking with a Chase rep and they stated that it is a known issue that will be resolved before the next statement is issued.
My credit dropped 82 points as a result of their error and I was intending on refinancing a home that I have remodeled by the end of next month.
Thanks for your detailed description of the problem and steps to resolution.
Not an error or a mistake. I totally agree with you this was intentionally. I would be totally surprise if this so call error is corrected. Also be on the look out and dont be surprise if other banks start doing the same thing!!
Ink Cash closed 2/27 reported to TU. It does show the correct opening date of several years ago. This card is for a sole proprietorship. Will check again next week to see if entity Inks are also reported.
DP: Opened Chase Ink account 11/1/24. Reported to TU as opening 2/28/25. Called Chase and rep said it’s a known issue and they’re trying to fix it, saying it should disappear soon. Big issue here is that they report the opening date inaccurately by a matter of 3 months, that made me think someone had fraudulently opened an account in my name. But all in all, another piece of evidence suggesting a glitch rather than an intentional change of policy.
They got me. Score dropped 100 points. ridiculous
It may be a way for Chase to encourage those carrying high balances on their business cards, to pay them down in order to minimize the affect on utilization.
I have one of my 3 INKs reporting now, but the others have statements closing this week. My score dropped 20 pts today because of my high balance on that 0% interest card… not panicking, just wasn’t expecting that!
I think the only reason Chase might have done this intentionally is that they want to see what business cards people have at other banks. So they are giving a signal to other banks, “Look, we’re reporting them, so you should too.” Chase already knows what Chase business cards you have. This seems like a weak reason, and I’m with those who think this is a glitch.
I have mentioned this to you before in the comments section, but both my husband and I have had hard pulls from Chase for the last 3 years when opening any of their suite of business cards. We do have quite a few of their cards, but I have always had each application end up being a hard pull on Experian.
What Nick is referring to here is different from a hard pull. Most banks conduct hard credit checks when approving you for a new card and that will show up on your credit report. However, once you have the card, the monthly credit balance and utilization aren’t reported to credit bureaus (with most banks).
Within the last week, that has changed with Chase and now some folks are seeing all of their Chase business cards monthly utilization showing up on their personal credit report.
Oh thank you. I will look at that
Ink Unlimited statement closing date 2/26 reported to TU
This would be a silly change for Chase to make, so my suspicion is that it’s a mistake. If they’re trying to cut back on churners, they already know how many cards you’ve opened within their own ecosystem. All they have to do is add their own business cards to the totals reported by a credit report.
Meanwhile, many businesses carry balances on their cards (either with promo APRs or sometimes just for float) and this would impact them negatively by lowering their personal credit scores. These are valuable customers for Chase, and I doubt they want to give reasons for people to carry balances with other banks instead.
I don’t see any upside for Chase with this move, while there is a downside.