Originally Posted by
Often1
Chase (and other issuers) are also engaged in a wholesale effort to bring themselves into compliance with Dodd-Frank requirements that consumers not be issued business accounts.
The latter do not contain all of the new consumer protections and are intended for business, not consumer abuse.
If a "business" account looks to be more consumer in its backup information and spending pattern, it's likely to be shut down and, along with it, other customer relationships.
This is more likely, though I gotten business cards with different issuers post Dodd-Frank and haven't had any problems despite a healthy amount of personal spending on them. It'll be interesting to see where this goes in the future--credit card companies could more lax as that aspect of Dodd-Frank does not come into play (as in consumers aren't making a real issue over the lack of same protections with their business cards) or more stringent if a slew of lawsuits crop up from consumers over lack of protections on the card.
I suspect the former in the short run and the latter in the long run.