Real ChatGPT answer · index seedQsSPeSuhyhccompleteFinance and banking · credit cardsinformational

Can carrying a small balance month-to-month on a business credit card negatively impact my personal credit score utilization ratio?

ChatGPTgpt-61 query10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can carrying a small balance month-to-month on a business credit card negatively impact my personal credit score utilization ratio?
1 real search · 1 real-search pass
Do business credit cards report balances to personal credit bureaus utilization ratio issuer reporting policies Experian FICOGoogle ↗
OBSERVED

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

Classifying 1 queries…

Searches and sources

ChatGPT1 real searches · gpt-6
Do business credit cards report balances to personal credit bureaus utilization ratio issuer reporting policies Experian FICO Google ↗

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Do business credit cards report balances to personal credit bureaus utilization ratio issuer reporting policies Experian FICO
OBSERVED
Google ↗
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