If tenant wants to use credit card, Zillow charges the tenant the additional processing fee, so you still get your full rent amount.

@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...

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. 

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

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

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

Also, I am in the process of creating a business logo so I can make some all important business cards and swag (who doesn't want that!)

Pass out business cards to strangers and call friends.  

I've done post cards etc. 

The woman was very confusing as to how this works so we will see once all credits and debits take place.