Originally Posted by Thunderroad

As an update/DP, but first...

If you have trouble getting through to a person at the Reconsideration line, in this thread I summarize how I was able to do it pretty easily:

No More Chase Reconsideration Line?

As for the update:

I'd applied last month just before the 200K deadline, then received a letter a week later explaining that I'd been turned down because of too many recent credit card applications (which, as I'll explain below, was a 5/24 referende), an insufficient business structure (which I suppose meant I was applying as a sole proprietor) and an insufficient business deposit relationship with Chase (?).

I thought I'd give the reconsideration line a try. After I (pretty quickly) got through to a someone, she fixed on the fact that I was (inadvertently) over 5/24. She even went down the list of the banks from whom I'd gotten six cards (!) within the past 24 months, and the months I'd gotten them.

FWIW, I messed up because: 1) I mistakenly thought the earliest card fell outside the 5/24 window and 2) I'd also mistakenly thought (though I had known but forgotten about this) that a Cap One business card counted as a personal card for 5/24 purposes.

So, my bad. I didn't ask whether the other two reasons would have disqualified me anyway, though the fact that she quickly focused on the 5/24 factor made me think that perhaps that was the main obstacle.