The details of data points matter. The problem I have with the Reddit threads I've seen is that nobody drills down to get more detail from the datapoints, and to point out which datapoints have too little detail to be useful.

I thus suggest you ignore Reddit threads which don't provide detail.

A crucial piece of detail: First UR business card or not, Chase is known to deny people if they call in about a pending business card application. So did those people who reported the denial for a 2nd UR business card call when asked to do so or not??? That could make all the difference.

Next crucial piece of detail: How you fill out the information about your business on a business card application can make a difference in how likely you are to be approved. Did those people who got denied explain how they filled out the application forum (years in business, annual business income, business name, business address, etc)?

(While Barclays is not Chase, and every bank has different policies, I still suggest you take a look at this thread for context about how sometimes telling the truth about your business on a credit card app may be worse than telling the right lie: http://www.flyertalk.com/forum/credi...ness-card.html)

So you see, just knowing that someone got denied for a Chase business card is no big news, unless you know for sure that they crossed all their T's and dotted all their I's. And thus it's very hard to know what the reason for a Chase business card denial might have really been (but that doesn't stop some people from jumping to conclusions).