as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
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optimal way to use a credit card to build better credit?
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most business credit cards do not report to the personal credit report unless the person pays the card late. given that fact, any debt carried on these cards does not hurt the credit score if it is not reported. you can carry credit card debt on these cards without hurting your credit score. just apply for business credit cards now to start building this segment of your credit.
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