The second quote implies that the total of both (biz or personal) has bearing on new applications for ALL chase cards, which has not been my experience nor my understanding based on active participation and reading of these forums.

For personal cards I consolidate CL, figure my odds of ultimate approvals are better with a recon call offering to reallocate CL (which has been the case for most of my Chase personal approvals over the past few years) than with lowering CL to an unknown number in the hopes of instant approvals. High CL also puts me at greater ease and less pressure to pay balances immediately prior to statement date as my typical monthly balance on some personal cards of $1000-$1500 is a large percentage of a lowered CL which I wouldn’t want reported to the credit agencies whereas that same balance is a small percentage of my current consolidated (several times) CLs, perhaps 20% vs 3%.

For biz cards (all sole prop), given my notional biz credentials and near sock-drawering, I lower all CLs in hope of instant approvals (which has been the case for most of my Chase biz approvals over the past few years).

At least in my case, Chase apparently does NOT look at their total (biz + personal) credit exposure to me or somehow Chase views the total exposure differently for a personal application vice a biz application.