PIB TIP: PAY CREDIT CARD BALANCES. Having a business credit card is useful. But most owner-operators get into a trap of spending more money than they should. If a credit card balance is not paid off at the end of each month, the interest charges can exceed 18 percent. You’ll get the best rate on credit cards, and other lending forms, by keeping a high credit rating. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Schneider National Inc. and Freightliner Trucks.