Respectfully disagree. IMO Chase views personal and business total credit limits independently. My total Chase personal CL is mid 6 figures and my total Chase biz CL is mid 5 figures for the same number of cards. (Most of) my recent Chase personal card applications have gone pending necessitating a preemptive recon call solely to reallocate credit limit to get the new application approved. On the other hand, (most of) my recent Chase biz applications have been instant approvals or quasi-instant approvals (pending on the application pages last page but then confirmed to be approved via automated phone line or seeing new account online within 5 to 10 minutes).