I just had my first decline in my life applying for the Chase Premier Marriott Business card 70k. I wanted to give people a heads up of what to be aware of if this is a new policy. In short, they may be becoming intolerant of churning at Chase.

I called the reconsideration number. They explained I have a history of opening and closing cards with them and have too much open credit available. I offered to lower my credit limits, (which has worked in the past); they still declined. My credit score is over 800 I have a plus 6 figure income. I presently only have one open Chase Business card, southwest. I have had Ink plus and Bold in the past. My business is a side consulting gig under 10k a year that I have been using to apply for cards since 2010. On the personal side I have 3 open active cards (meaning I actually use them every month) and have closed 2 cards in the last year.

Overall I follow the practice of never applying for more than one card business card every 90 days, and never the same card within 2 years of my last bonus. I close cards when they require an annual fee once charged, if they decline to remove it. My average credit history is over 5 years.

In July my Southwest card will be up for an annual fee, maybe I will apply for another after I close that one out.