thanks- that I can completely understand and can live with, but wasn't sure since I have 2 personal chase cards already - opened 3 and 8 years ago (IHG - minimal spend and united- $6k in the last year) and my wife has 2 (southwest business and personal) opened within 12 months - if they would see that as a no-go - if that ever would lead to a shutdown.

At some point I likely will want one of us to get the CSP so we have the transfer partners available on a personal card since the "business" is borderline - but hopefully I can actually get it to legit grow (albeit it will never be a big CC spending type of business)