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Will there be credit checks for a company credit card?


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Hello, I work for a large organisation, and my name is on a list of people to potentially have a company credit card. This will be used to make it easier to purchase consumables and admin related items. It would make my work life much easier too.

 

However, I have terrible credit, which I'd rather my work didn't know about. If they want to give me a company credit card, will I have to go through a credit check, or is it the organisation that goes through the credit check rather than the individual holding it?

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Corporate cards are usually billed directly to the company, so there should be no reason to credit-check the individual, unless the issuer wanted to check your file as part of an identity check (like some banks do for the opening of a savings account - in this case bad credit should not affect the decision). If the card is only for office admin then it would almost certainly be a corporate card.

 

Some companies run affiliate programmes to issue individual cards to employees who travel regularly and run up expenses, but it doesn't sound like you're in that category.

 

In any case, unless you work in financial services or certain related professions (e.g. accountancy), your credit history is really none of your employer's business.

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