They have been counting their own business cards. I hit that ceiling back in 2019 and had to wait it out. Business cards are ignore only if they are on other banks and ONLY because they do NOT know about them.

Be aware they are also looking at you because of lack of business business with them such as checking or savings. Get ready for more declines unless you are prepared to prove your sole proprietorship income. When (remember it is a when, not a they will) they ask, it is like AX, you prove it or they shut everything down. YMMV The game is great if you are legit, if anything is inflated or fudged, Chase is not friendly or forgiving.