I accidentally applied for one. Now I have a business credit card, but no official business (i.e. no LLC or anything). Can I use the credit card? Of course I will always pay my monthly balance and abide by the agreement. If I can't use it, why would they send it to me?

Are you self employed ? Do you own your own home business ? If you got the card already then how will they ever know? I get them in the mail like the guy before me said they will give a credit card to anybody the can because now 60% of Americans now use debit cards over credit so they must do anything to get you to get as many cards as possible to prevent loses. They are the most tempting thing that marketers throw at us and we take the bate and they know we will so thats why they are so sucesfull at it. $2,000 - $10,000 credit card limits, 1 - 5% cash back, 0 annual fee, build your score yes they get us and we don't fight.