ok, here is what I have been able to find out. We stopped doing reallocactions 9 months to a year ago for mainly cost savings reasons. It took a lot of time and effort and it didn't make us any money. So in these times it just makes sense to refine processes that aren't profitable. I know I have personal concern for anybody affected by that decision as well as many many others, but it is a business decision that was made without consulting us first unfortunately. We were able to do it between personal lines and business lines when we did do them, however. I've just never been involved with that particular side of the business, so it is new information for me.
As far as your card not reporting, that isn't right. Any OPEN card issued to a sole proprietor will be reported to the individual's credit report. If you provided a Tax ID number then it would be reported under the business, but the applicant would still have responsibility for the charges. If it went into collections then it would get reported on the individual's credit report and it would still be tied to your SSN with AMEX for consideration in any future applications. Certain things may only stay on your credit for seven to ten years, but American Express (or any company for that matter) can remember the event forever if they want to.
Unless you are revolving a balance then I would probably suggest getting one of the charge card products. There is a hidden limit in those somewhere, but it would give you the ability to spend whatever you needed to spend without having to worry too much about running out of credit. The Plum card has worked incredibly well for my business. It allows me to revolve the balance a little bit since I rely on vendors to pay me before I pay the bill sometimes. It isn't a big money maker card for AMEX, but it is a huge money maker for the business owners who use it. I love my Plum card.