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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.",[1332],{"type":263,"attrs":1333},{"color":265},{"_uid":1335,"title":1336,"component":1271,"description":1337},"4af9e15d-b329-4cc6-856f-1af77a9e4a1a","Do corporate credit cards affect your credit score?",{"type":77,"content":1338},[1339],{"type":90,"attrs":1340,"content":1341},{"textAlign":45,"key":92},[1342],{"text":1343,"type":86,"marks":1344},"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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