Originally Posted by hurnik

IMO, if Chase denied you for the business card, they'd probably deny you for the personal one.
"too much credit" means just that. Your CL on your cards (chase and otherwise) is "too much" for whatever threshold Chase wants. Typically though, if that were the SOLE reason for denying you, Chase would've offered to re-allocate your credit line from one of their other cards to the new one. Unless you have no other Chase cards to draw from. You could try lowering your CL on the other cards (but, IMO, that'll increase your utilization at this point). So I'd probably wait until you've paid down/off the credit cards to get the util significantly lower, wait for it to hit the actual credit bureaus (may be a month or two after you do it) and then apply with Chase again, although you may still need to proactively reduce your CL on the other cards (after you pay it off).