Self-management is a good thing, as long as you have the skill set and knowledge to do it properly.

@Adolphus Fletcher - If you're main goal is to build business credit there are different avenues to do so including: obtaining and unsecured line of credit for the business, applying for a business credit card, applying for business accounts such as Home Depot/Lowes, etc...

They use credit cards for emergencies (Yeah, right..) 

I'd attack the credit report :) 1) lower (pay down) whatever accounts have a high utilization percentage 2) contact each of 3 major consumer credit agencies and get a free report, then dispute every hard inquiry that is *NOT* associated with an open account 3) call the credit cards you already have established and ask for a credit line increase -- often can be done online and they do not verify income, hint hint. 

When I looked at Proper Insurance (their rates were extremely high), by eliminating the wind coverage they said I would not get loss of income if it was related to wind.  

Do, you have any other higher interest debts for example a credit card?

So your thinking when they raise everyone's credit card limit, that people will spend LESS....

It's not like a credit card that can keep climbing. 

Take ownership of your mistake and learn to do the proper due diligence recommended above😊

In any case, it needs to be properly documented.