Spending more than your reported income is not a risk factor. Most of us are able to charge business expenses to our personal accounts and get reimbursed before our bills are due. I charge thousands in reimbursable expenses per month.

I also pay my bill entirely and I have never had a problem with Chase. During my last call to their customer service, I was actually thanked for using the card so much. You're welcome Chase, keep the UR points flowing!