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A company processing 250 invoices a month at 15 minutes each saves roughly 50 hours of finance time monthly through Spendesk's AP automation alone - substantially more value than 1–2% cashback on the same card spend, which is also reduced by Corporation Tax.",[1328],{"type":259,"attrs":1329},{"color":261},{"_uid":1331,"title":1332,"component":1267,"description":1333},"4af9e15d-b329-4cc6-856f-1af77a9e4a1a","Do corporate credit cards affect your credit score?",{"type":73,"content":1334},[1335],{"type":86,"attrs":1336,"content":1337},{"textAlign":45,"key":88},[1338],{"text":1339,"type":82,"marks":1340},"Yes, in most cases. Most corporate credit cards - including Pliant's Visa programme - require a credit check during application and a personal guarantee from a director or officer. Missed payments or high utilisation can affect both business and personal credit standing. 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