Can you think. Can corporate credit cards affect your credit? Lack of resources to solve problems

1) What is religion in a wide and narrow sense of the word? Is it possible, in your opinion, give such a definition, which is equally satisfied and people of believers and atheists? Why?

2) Describe the role of religion in human life, society, state. What is the moral power of religion?

3) What is world religion? What is the essence of the discussion about the number of world religions? What do you think, from what criteria are those specialists who call more than three world religions?

4) What role are world religions play and play in the history of mankind?

5) What role does the religious factor play in modern conflicts? Is it possible to say that it is often only a reason for the beginning of an armed confrontation?

describe the main forms of mutual communication of man and society. 4. What is the historical process? 5. How do you understand the connection of the past, present and future in the history of countries and Naro-Dov? Give examples. 6. Relying on knowledge of history, literature, other subjects, provide examples characterizing the role of the people in the historical process. 7. Is the statement that the worldview may have not only a separate personality, but also a social group, a nation, a historical era? Explain your me, under-tighten with its examples. 8. Russian historian V. O. Klyuchevsky (1841-1911) wrote that the knowledge of the past is "not only the need of a thinking mind, but also a significant condition of conscious and corporate activities," because it gives that glazer of the situation, A little minute, which prevented a person "both from cosup and athletes." And then he gives advice: "Defining the tasks and direction of its activities, each of us should be at least a little historian to become conscious and kindly acting in the Count Danin." What is the meaning of these thoughts V. O. Klyuchevsky for our days? 9. The word "civilization" and derivatives may mean: a) pupil, the ability to behave in society ("it was a completely civilized young man, with excellent manners and the severity"); b) the stage of social development, following distens and barbarism; c) the state of society recognizing the value of my film, economic prosperity, freedom-df, legality ("in civilized society there is no place for violence, criticism, in accordance with the law, disrespect of human rights"); d) a set of manifestations of culture ("antique cycling - a unique culture underlying the European culture of subsequent epochs"); e) a set of unique economic, social, political, spiritual, moral, psychological, value and other structures that distinguish one historical community of people from others ("Economics, a system of power, values, lifestyle and the psychology of the Middle Ages were distinguished This civilization from ancient or modern "). Which of these values \u200b\u200bhave direct disorders to the characteristic of the historical process? Provide these provisions to the analysis of specific societies known to you

Most likely, employees hide many valuable information from you. About the project that goes not as necessary or about the negligent manager. Do not share their considerations how to increase sales or improve processes. According to Harvard Business Review (HBR), it is not so important how open you are as a manager. Most subordinates will rather prefer to save silence than to question your undertakings or advance new ideas.

And this is so, even if you think that adhering to the "open doors" policies. Just recall: How often are the subordinates come to you, to your territory to open the truth as it is? Even if you encouraged them to this. In fact, they are afraid, - justified or not - that you will accept their comments on your personal account or consider such an act by the manifestation of the "Sprinky Syndrome".

Managers have different means to promote a dialogue with the team: all sorts of studies of the working atmosphere, collective feedback sessions. This can improve communications in both directions, although most often does not work. People are elementary afraid of possible consequences and do not believe in the possibility of change.

Fear factor

No need to be Tyran to unomest in people fear. Thinking about yourself as an open person, to which everyone should come with problems, you are more likely to make a mistake. Especially if you rely on popular practices from our list:

Confidence in anonymous feedback

The promise of anonymity is a common method of obtaining an expensive feedback. Mailboxes for proposals, "hot lines", corporate ombudsmen, studies of satisfaction - they all serve as one goal. Logic is simple: if no one knows the author of the statement, negative consequences are excluded, so people can speak freely.

There is at least three dedication in this reasoning.

The first: anonymity emphasizes the risk of sounding thoughts and strengthens fear. In the practice of anonymity, quite a specific subtext: "Openly share its thoughts here is unsafe, so we made here such a channel for obtaining the necessary information."

Second: Anonymity can provoke a witch hunt. Quite often, managers want to know who the author of negative feedback.

The third and probably the most important flaw is the inability to solve the problem described, if it is unknown, from where the signal came from. Suppose information is obtained that the head behaves aggressively, incompetently and so on. Neither the personnel service nor the ombudsman will be able to assess the scale of the problem, identify its causes and formulate recommendations. On the other hand, if the complaint is associated with a specific incident, it is fairly easy to calculate its source, so that there can be no real anonymity and speech.

Formal invitation to dialogue

By itself, the principle of openness passive. All the same, people need to get to you and initiate dialog themselves. Frightening perspective.

In one of the insurance companies included in the Fortune 500 list, the "field" workers had an extremely pleasant leader. He showed genuine interest in the problems of subordinates and even undertake certain actions to eliminate difficulties. But the workers of the call center still did not rush to him with the proposals on the refinement of sales script, an increase in efficiency and cross-selling. Why? Because his cabinet was on a different floor, in four closed doors and under the protection of three secretaries. Several hundred subordinates almost never seen their leader. They did not have the feeling that they were acquainted sufficiently and had the right to contact him.

You may argue: "But people come to me"! And you will be right, but there may be things and reasons with which you will not come to you, believing that it is unsafe.

Symbols of power

Request or not, but most likely, you spread around ourselves "fluids of power." And they can force subordinates to relent.

What do you do when subordinate to your office? For example, lean back in your chair and cross your palms on the back of the head. You think this is a relaxed and friendly posture, and in fact, at this moment you are dominant.

Or maybe you are sitting behind a huge oak table, in an expensive ergonomic chair? At the same time, visitors are offered a much less convenient and low-cost smaller highchair? Even if your intentions are clean, you somehow remind the subordinates who here at the helm and who should be feared.

Factor vanity

In most companies that were dealt with HBr, the main reason for the concealment of ideas and anxiety was not even fear of bosses, but confidence in the futility of their own actions.

Familiar to us approach "What will I steam?" Often, leaders themselves provoke:

Bad example for imitation

If the head does not inclined to openly express his opinion, subordinates will not necessarily notice.

If you do not broadcast the aspirations of your people upstairs, first filter their requests, your employees will stop making the air. The same thing will happen if you are silent at meetings when everyone is aware of the existence of topical problems and ideas that would have to sound. With the formal authority comes and the obligation to be a "voice" of their subordinates. The duty to take certain actions on their behalf. You will not do this - serve as a strongest demotivator for your own team.

When you do not understand what you want to hear

The leaders react best to ideas that are echoing with their own thoughts. As a rule, there is nothing wrong with that. In the end, the managerial need to focus on priority moments. At the same time, admit that one or another idea did not hook - difficult. As a result, the effect of "pseudochessia" is created: the ritual "Hearing" is reproduced, and there is no intention to do anything.

If the subject of the meeting is too extended, all your "catch" will be little related to what you really want to implement. Do not indicate what kind of thought you want to hear, and most of the said will be elementary not necessary. Thus, you inform employees to express ideas - useless.

Lack of resources to solve problems

Heads of universities, financial companies, large enterprises in retail and other spheres with pleasure spend thousands and even millions of dollars to collect information and ideas. And then no one, none of the person studying and analyzing the data collected, not to mention the creation of the standard evaluation process.

To highlight huge resources for the collection of ideas, and then not to get acquainted and not to realize at least some of them - a gross mistake. The most powerful messenger that the ideas and efforts of employees are not able to change anything.

Yes, the subordinates are not easy, but perhaps. In HBr, it is believed that this can be achieved in the following ways:

Feedback should be commonplace

If you regularly interest the opinion of employees and conduct personal meetings, the exchange of ideas ceases to be a frightening event. Cut regular meetings with subordinates and do not cancel them if they could not formulate the agenda.

Dedote a whole feedback meeting from employees. Tell the Focus of the Meeting (for example, a brainstorming or planning session) and tell what problems or opportunities you would like to discuss. At the same time, explain to our people that they do not need to prepare a fully developed argument to each proposal. And as soon as the first brand will finish his speech, thank it and publicly admit the value of the contribution to the common cause. Especially if he criticizes the existing order of things. Following the meeting, be sure to implement at least one idea or decide one problem from the number of voiced. And certainwise express public gratitude to the author.

Transparency and openness

Feedback transparency, reduce the level of concerns and increase the involvement of employees. In one medical company, the Vice President of Quality amounted to a six-year plan for collecting and implementing ideas to improve processes in key areas. She planned three separate phases: two weeks to collect ideas through the online platform; two weeks to assess the impact and feasibility of ideas; Two weeks - to the arrangement of priorities, the formation of a timeline and the general corporate announcement of the project.

Go to the people

If you really want to know what people think, ask them. Otherwise, you can contact when it will be too late or too bad. Try not to ignore good suggestions that do not coincide with your current priorities.

And remember, to achieve feedback informal methods usually much more efficiently than just to be open and wait until it comes to hand.

When feedback is needed, go to people knowing what you do not know. The nearest environment is largely similar to you in terms of abstract, the vision of the future and knowledge. New people can tell you how the company works and they will have a fresh look at the strengths and weaknesses of the organization.

Press aura of power

If you need true, reduce the power of your "Aura power". One of the effective ways is to communicate in the territory that "belongs to" employees.

Of course, some part of the conversations will require the private situation of your office. Put a small table with chairs of the same size and quality so that you can sit next to the visitor and do not suppress it. The shape of the table is also important. Easily dominate, sitting for oval or rectangular cabinet furniture. But behind the round table there is no "main". Think about your wardrobe: Do you need a tie at a meeting with a creative team? Your goal is to become one of the members of the collective.

Avoid ambiguous signals

In the same research organization, the leadership was made a lot of puzzled when fresh talented scientists were far from the most energetic workers.

It turned out that despite the officially declared policy to hire only the best in its sphere, the company regularly forced employees to feel complete idiots. At the first meeting of the highest leadership with newcomers, they were put up with fools, and the ideas criticized. It became obvious that the company reigns the atmosphere where to challenge the established position of things is unsafe. Even on informal "creative" meetings, employees constantly underwent, that they do not use the PowerPoint corporate template and do not comply with the rule about the number of words on the slide. On the one hand, the company sich himself that hires the best footage, and on the other hand, immediately drove them into the most severe framework.

Be an example

Most of your subordinates understand that you do not control all the resources and do not accept all the solutions necessary to eliminate their problems. Trying to determine whether to go with a problem exactly to you, they try to calculate how much you are able to represent their interests before the higher management. And they experience an extraordinary tide of inspiration when they personally see how you defend their rights.

Unfortunately, this is not always an option available. Subordinates cannot constantly attend during your meetings with the bosses. However, you can keep them up to date and involve directly in the further stages of interaction.

For example, instead of giving reason to suspect you in idle, tell them that the leadership expressed uncertainty in some figures and is not ready to give priority to this problem against the rest. And then take this person to the meeting so that he presented additional information, which is able to convince the higher authority.

There are many advantages right here. First, you show your people that strive to represent their interests. In any case, they will appreciate it, regardless of the result. Secondly, they will better understand the restrictions that you have and those who are above you. Thirdly, so they see how the case is moving, and do not remain in the unknown. And this leads us to the latest recommendation.

Close circle

Do not want people to believe that their ideas are sent straight to the trash? Tell them about your activities and expected results. According to the results of a survey, 35,000 thousand employees in different companies in the HBr found out: an unclosed circle of information increases the level of confidence of employees in voicing voicing of ideas by 30%. However, if the head in the past already "closed" this circle, subordinates of 19% who were more willing to share ideas with him.

Parents, can your children count on your support for any circumstances in any situation? Probably, this issue will seem stupid. "Of course, my children can rely on me!" - You will say.

But do your children know about it?

In one family, the father ruthlessly criticized the 16-year-old son, disapprovingly reacted to his ideas, humiliated him and said: "You have a big body, and the mind is small!"

But once in the evening, the guy accidentally heard the conversation of his parents and was amazed with what love father told him about him. Father never directly told him about his love, thinking that it was not a male. He thought to express his son approval simply indecent.

Oh, however, I wanted to take this father by my shoulders, shake and say that he was wrong. After all, if he won't turn his son differently, he will lose it.

Our Heavenly Father does not get tired of telling us, their sons and daughters, how much loves us, and God does not see anything wrong with it. "I love you," says our Heavenly Father, "and therefore I sent my son, Jesus Christ, die for your sins so that we could become one family again!"

In fact, the love of God is the main topic of the Bible. After all, if you remove the statements from the pages of the Bible about God's love for a person, the sacred scripture will be devoid of central truth. It will be like a man without a heart.

In the Bible it is very clear that God is on our side, and therefore we can completely rely on it. Listen to these promises:

"I'm with you; And I save you everywhere where you will go ... "(Gen. 28:15). "I, I myself am a comforter ..." (Isa. 51:12). "For the Lord, your God goes with you to fight for you with your enemies and save you ..." (De. 20: 4). "For the favorables of the Lord to the people of their own ..." (Ps. 149: 4). "See which love gave us a father to be called and being to the children of God ..." (1 John 3: 1). "I will forgive the lawlessness of them and sins them no longer be prevented more ..." (Ier. 31:34). "The eyes of the Lord are drawn on the righteous, and his ears to the screaming of them ..." (Ps. 33:16).

Let me rephrase these promises of the Lord:

- I'm with you. I will comfort you. I will protect you. I am pleased with you. I love you. I forgive you. I am always ready to listen to you.

Try to remember when the last time you talked to children about your love? If God constantly reminds us, to your children, that he loves us that we can rely on it, it means that we must try to express our love for our children, should make efforts to assure them in our love.

What amazing changes can occur in families if fathers and mothers will be able to assure their children in the fact that they love them?! It would be great if the father had noticed his daughter's disappearance could come up, hug her and say: "I want you to know: You can completely rely on me!" If the mother were, every time she sees that the son is upset, could hug him and say: "Do not forget, you can count on my help!"

Let's think over the following seven scenarios:

Scenario №1: Your daughter comes from school, and you ask: "How are you at school?" What she answers: "terrible! Masha is not talking to me, Galya is laughing at me, and Lyuba teases! No one is friends with me! They are all against me. "

Now consider three possible answers:

First option: You do not pay attention to the words of my daughter.

The second option: you remind you of the daughter that she pecked with all family members, and therefore there is nothing surprising in that she does not get along with friends.

Third Option: You say daughters: "You can rely on me, tell me everything in order!"

Which of the three options will contribute to the improvement and approval of your relationship? Which of the three options is consonant with God's promise: "I am with you, and I save you everywhere where you will go" (Gen. 28:15)?

Scenario №2: Your son enters the house with tears in his eyes, because comrades tease him. He is very sad.

First option: you do not pay attention to it.

The second option: You tell him that he should not be so nursing.

Third Option: You say: "Let's talk. Go, I'll take you! "

I understand that it is impossible to flee to the child every time tears appeared in his eyes, literally burdened by his consolations. But when children experience difficulties, they should know that you are near, also close as God that you can console them. The Lord promises: "I, I myself am a comforter ..." (Isa. 51:12).

Scenario №3: Your son is distressed, because his friends were all caught in a big fish, and he, how much he tried, did not catch anything. Your daughter has anything with arithmetic.

First option: You do not pay any attention to them.

The second option: You say: "Why do I tell me about it? I have always been a good fisherman, "or" I have never had problems with arithmetic. "

Third Option: You say: "I will scream you to fish", or "Bring me a textbook on arithmetic, I will try to help you!"
Which of the three options reminds you of God's promise: "For the Lord, God, goes with you to fight for you with your enemies and save you ..." (De. 20: 4).

Scenario №4: Your daughter returned home. She is very excited. Finally, the daughter received the four arithmetic, despite the fact that the arithmetic is pretty hard for her.

First option: you do not pay attention to it.

The second option: You say that if she had tried even more, he could get the top five.

Third Option: You say: "I am very happy! You're doing fine!"

Which of the three options reminds you of God's promise: "For the favorables of the Lord to the people of their own ..." (Ps. 149: 4)?

Scenario number 5.: You do not quite like the friends of the Son. You are disturbing that he can fall under their bad effect.

First option: You do not pay attention to the situation.

The second option: you again and again remind your son that he should not be born from a straight, narrow path.

Third Option: You say to your son every day: "I love you! I hope that you will not do anything that will upset God or family members. If you have questions, if you want to talk, I'm always ready to listen! "
Which of the three options reminds you of God's promise: "See which love gave us a father to be called and being to the children of God ..." (1 John 3: 1)?

Scenario №6: Your opinion was dealing with the opinion of his daughter, she gasped you. But later I expressed regret on what happened and asked for forgiveness.

First option: you were silent.

The second option: in response to rudeness they answered rudeness.

Third Option: You say: "I know that you are inappropriately flared, that you did not want to be sad, and I am sure that this will not happen again. I forgive you. " Which of the three options resembles the words of God's promise: "I will forgive the lawlessness of them and their sins are no longer pleasing more ..." (Ier. 31:34)?

Scenario №7: Your son resorts home with some very important news about his friend. He begins to tell what happened, but you are busy in the kitchen or read the newspaper.

First option: You continue to do kitchen or read the newspaper, not paying attention to the son.

Second option: You marry your son for distracting you, and advise never to do anything like that.

Third Option: You decided that the kitchen and the newspaper could wait, and the son needs to pay attention. And therefore say: "I listen to you, tell me what happened." Which of these three options reminds you of God's promise: "The eyes of the Lord are drawn on the righteous, and his ears to the screaming of them ..." (Ps. 33:16)?

It is clear that in each scenario, the third option is a kind of periphrase of one of the seven biblical promises. So, we can say that the best answer is the third option. Jesus said: "Who is not with me, he is against me ..." (Mat. 12:30). Do not be surprised that sometimes your children experience such feelings towards you.

Dear parents, if every day you make efforts to assure children in your love, you will be surprised what effect it will make on your relationship with them. It seems to me that with such relationships, conflicts between children and parents are allowed by themselves, because the family is a place for mutual support and consolation.

Parents who want to be a support for their children wish them success. They want their children to be happy and satisfied that children have had good relationships with others and with the Lord. The words of love and consolations coming from parents can become the bricks, that solution, with which you can build a life, pleasing to God, life bringing joy.

In conclusion, I would like you to remember the person close to you, on which you can rely. Where did you get such confidence in it? What special did this person for you? What was special in his words?

And now I would like to offer you a few questions that will help determine whether you fulfill a similar role in the life of your children, i.e. Whether you are the father or mother on which children can count on any circumstances.

- Can your children say: "Whatever happens, can I count on parents understanding and help"?

- Can your daughter say to his friend: "When it hurts me when I'm not getting laid, first of all I appeal for help to my parents. No one else will help me like that "?

- Can your son say to a friend: "When I try, even if I don't justify all the expectations of my parents, are they always satisfied with my work"?

- Can your children assure their friends: "Our parents truly love us. They love us even when we do not deserve their love "?

- Can your daughter say to a friend: "When I express regret about the lack of a mistake or rudeness, I have no doubt that my parents will forgive me"?

- Can your son be sure: "My parents know how to hear. When I want to talk, they are ready to listen? "

I personally want my children to have confidence that they can rely on me. When they have difficulty and it seems that the whole world onceed against them, I want them to know that they always have asylum that they can turn to the father. After all, this is God's attitude towards us!

John Panti.
www.cityofgod.org.

Learn your destiny by decryping the lines on your own palms. How to do it? The dominant (presenter) hand presents your current life and what you imagine. Another hand reflects personal relationships and emotional aspects.

● Life line

She extends the Arc, starting in the area between the big and index fingers and resting in the wrist.
Thick line:
You are full of enthusiasm, rarely sick and feature the resistance of the Spirit.
Weak pronounced or torn line:
You carefully react to stress or face health problems.
Crosses with a head line:
There are many distrust and negativity in you.
Does not intersect with a head line:
You are an independent person, but not always able to empathize.

● Line of Fate

The line begins at the base of the palm near the wrist and extends in the direction of the middle finger.
Thick and straight:
Your life is very productively developing.
The line is absent or it is very thin:
You will be either very dependent or, on the contrary, have greater power over others.
Splits:
If these two lines are two or more, and they begin from different points, it shows that you are hidden a huge potential and you can enjoy life.

● Heart line

It begins under the little finger and goes to the index finger, usually ending between the index and average.
Begins to ¼ below the mother's:
You have good mental abilities and medium flexibility. You know how to get what you want in love.
Close to the little men:
You tend to close from the outside world and are afraid to give your heart. But if you fall in love, it is deep and for a long time.
Far from the Misma:
You are a fearless and disinterested person.

● Mind Line

She shows your ability to think, as well as the chronology of your life. Located right above the life line and passes throughout the palm.
Coincides with the line of life at the beginning:
The more these lines intersect, those you are insecure and negative. On the other hand, you are a very stable person.
Long line:
You are dependent or possess authority over others.
Splits:
If you have two or more lines with different start points, it suggests that you are very smart and adaptive.

● Line love

These are your relationship with the opposite sex, plus communicative skills.
More than two:
If you have two or more lines with different start points, it shows that you have a huge potential in the field of relationships.
Noticeable and straight line:
You are a very devoted and reliable partner.
No line or it is very thin:
You must make great efforts to win love.

● Money line

It begins at the nameless finger.
Long and noticeable:
You are the type of person who postpones the money for the future.
No line or it is very short:
You do not attach to money, but you are very hard work so that they just had them.
Many short lines:
Perhaps you are very careless with money. You spend their little mindlessly on yourself and your friends.
Begins under the little finger and runs to the palm center:
The more clear the line, the lucky you are in financial matters. You can easily become a rich man.
Starts under a nameless finger and runs to the palm center:
Most likely, you will get a family business or good inheritance!

● Marriage line

She shows how lucky you are in marriage and family life in general.
Line running up:
The higher the better. You will have a good marriage and an excellent family.
Line going down:
In marriage you may have problems. Love is not included in your list of priorities.
Explosion end:
This is an indicator of divorce and collapse of relationships.

Do not treat such interpretations too seriously. Your lines on the palms often change depending on the situation, time and environment in which you are. However, do not forget to look at them from time to time!

If you travel a lot as part of your work or make ordinary purchases on behalf of the company in which you work, the availability of a corporate credit card can be extremely convenient. In most cases, you simply take the cost of the card, and the company pays bills. Such a common phenomenon that many people do not even think about what can go wrong until it has become too late.

Despite the general use as a business tool, corporate maps have a hidden disadvantage. Simply put, if the company does not pay his accounts, you can be responsible for outstanding payments. The inability to pay may damage your credit rating and make it more expensive or even impossible to get a loan.

Devil in detail

To make sure that you fully understand your corporate card, you need to carefully read the documents with the opening of the account. Corporate maps can be issued in various ways. In some cases, you will learn that the person who has been issued a card is responsible for expenses, even if the employer of the card holder is actually those who make payments. Individual responsibility means that you are responsible for any and all debts that go to the card.

Some cards are jointly responsible. For them, both the employer and the employee are responsible for expenses. Although the employer often pays the tab if it remains unpaid, the employee is stuck with accounts.

In other situations, the corporation may be specified as a responsible party. Although this is the perfect scenario for most employees, even corporate responsibility can have their limits. Personal fees made on the map can be excluded from the Agreement. And overdue accounts can lead to a collection of funds against an employee and to a negative loan. The inability to pay the firm can lead to personal responsibility for expenses.

The owners of small enterprises should be especially careful. Banks, as a rule, be careful when granting a loan to small enterprises, so credit cards are often issued with obligations that deprive the business owner of personal responsibility for any expenses that the company is not paying (see Pluses and cons lending to small business cards). This is another risk that the owner of a small business should be ready to take over in exchange for freedom and the opportunity to be his / her own boss. If you encountered a problem The best ways to restore your credit rating Can help you return to the right track.

Problems with payment aside, it is important to know that many of the issuers of corporate maps conduct a credit check of employees before issuing a map. This is done because the issuer wants to make sure that the recipient has a history of loan use in a responsible manner. The test is confirmed by the employee's credit report and can lead to a temporary decrease in employee credit rating. In many cases, the credit check is little or not related to the case, but if you are in the loan market, the temporary hit of your credit rating can cost you money.

Protect myself

Regardless of the type of corporate card, which you hold, the responsible use of the credit card is always the right personal policy. The first step in this process is reading fine print when registering on the card. This is done so that you understand the responsibility you are taking. If some time has passed since the signing of the map, contact the accounting department or the benefits of your employer so that you can access the information you need.

You should also run a credit report on yourself to find out how different corporate maps that you hold are.

The next step is to pay your accounts in a timely manner. It is easy to do if you personally be responsible for making payments. If your employer processes payments, check your application every month to ensure that everything is fully paid and in a timely manner.

Outcome

If your name is displayed on a corporate credit card, you can confidently assume that the inability to pay bills can damage your loan. For most employees of large corporations, the risk is likely to be minimal. However, it is better to be safe than regret. To avoid unpleasant and potentially expensive errors, take the documents and read them before accepting or use the card. At least, you will learn what type of responsibility is associated with your card, and where you are standing if problems arise.

Even in the best case when your expenses are completely covered by your employer through a credit card, which has something that is often called commercial or commercial responsibility, you still have to follow the balance on your corporate map and make sure that it is paid on time and in full . Small caution can significantly help protect your credit rating. Read more about credit cards, see Credit Cards: Introduction .