there are many articles written on business cards and the SW companion pass, so will not repeat here. However, I looked at the report and question when you need Chase to approve another card, why are you allowing cards to close with such a large balance? If your CL is $11k and your balance is over $4500, you are in for some trouble getting approved. Read some over at a credit forum and search out some posts from MDtRChicago and 84 Fiero. They have quite informative posts that discuss managing CCs and your score. you need to get your presentation together befor applying to have a shot here.