He has charged  my credit card  for unauthorized services .

Then send a friendly letter or post card to the owner.

Also, is there any benefit to having a business credit card compared to using your personal credit cards? 

And, no, I have no affiliations with them other than being a customer, I do not receive any kickbacks, referral fees, or even as much as a gift card for steering any business.

What are your thoughts on this and how would you design your card in my situation?

I've used a lot of credit cards to get it going. 

First I would try and getting a credit card, I myself have a line of credit, credit card, and a car payment.

Leave your credit card at home when you go for it. 

Transportation is convenient by multiple means, whether to San Francisco or towards San Jose.Not only that, but Belmont and San Carlos both have a nice stretch of downtown restaurants near El Camino Real, which serves as the main thoroughfare through the area.

You go there, hand out business cards, get business cards, talk and ask them about what they do.