I would call back and speak with another rep; most doesn't tend to read the comments (if any is placed) so you can just ask as if you didn't already.
I suspect, whether you had applied with ssn or EIN that it would affect your score personally because while business cards don't really contribute to your credit file (which can be beneficial if your business is going through cash flow issues and therefore carrying high balance near the limit..it wouldn't show on your personal record)
However if you default (be late over 30 days) or all together bankrupt; than it would.
No business credit is not based on a personal guarantee even if you run through 7 figures in deposits, unless you're a huge corporation like Gap, inc.
When you call back, you have to see if there's a way to spin it which is pretty hard. I will play devil advocate and hopefully that would better prepare you for the convo.
----You say you had moved, but don't you have online access? Wouldn't you know that there's going to be a payment due at least within 30 days of when you had used the card?----
Banks would almost never, and I say never because I successfully helped one person get the mark removed, but it was very isolated incident and to this day I still don't understand 100% how it happened since it wasn't a bank error but I'm not the grinch, obviously if it can be done I would want it done.
I would also recommend for anyone who hasn't already, to do autopay for minimum amount due because 1) guarantees as long as you have that amount in your bank on due date, that you'll never be late.
2) if you pay in full before due date they will not take out the minimum, so really if you're already paying in full you can continue to do so with the autopay for minimum amount due as safety net.
3) even if you don't pay in full but would like to control in amounts what you pay, you can always take the amount you plan (say 800, and subtract what the usual minimum is 15/20/25/etc so it's 785/780/775/etc) so you still pay as much as you want, but have the safety net.
And if you only pay the minimum (thanks to autopay) because you didn't realize you had a bill due, because you don't receive statements because the address is an old one and the card tied to that account looks a lot like another card you regularly use..and therefore didn't think to log online to see the statement..because you didn't even realize you used that card..
So you missed paying altogether yourself, but autopay saved you a late fee and possible mark on your report (nearly impossible if not altogether Impossible to get rid of)
And you're only stuck with the apr charge which shouldn't be too high, esp in your situation of a hundred something..I don't think they do interest apr on late fee charge itself right?
So yeah, long story short, everyone should be on auto for minimum unless your super anal about checking your cc account every day and only carry less than a handful of cards..