Answer: -When you apply for a credit card for small business you are also required to fill out the social security number of the owner or authorizing officer. If it's a new business, getting approval or not will depend on the owner's or officer's credit history. -Financial companies extend credit (to businesses or individuals) based on their projection about the creditor's liklihood of paying the money back. A business with no credit is a poor credit risk. It's an unknown, and is a crapshoot whether it'll turn out being a good risk or not. In a case like that, the lender will look at the individual players in the business and study their personal credit habits to decide whether to extend credit to the business.A business with bad credit is a horrible credit risk. A person with bad credit is a better risk then a business with bad credit, because a business can simply be dissolved, and the lender would just lose their money. -Businesses have the credit of their owners. So any business can qualify. The place the other guy told yo to go is a good place to try.