I probably have 8-10 regular monthly charges on my business card (advertisers, web hosts, etc). Going off credit completely would mean calling those customer service centers, sitting on hold on ridiculously long phone queues, and then either authorizing them to automatically debit my business account or my writing out those checks by hand every month. Then, a few months later, I would call them all back and go back to putting everything on the credit card. And all that between seeing paying clients. Not worth my time and effort. It's very little effort for me to pay down the cards as I go. I could literally do it daily.I don't appear to be capable of explaining the process of how creditors report to the bureaus in an understandable way, so good luck with your efforts.
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