Dream of Flying

vm81

You can always open a business account if you have any kind of business whatsoever but I dont think you can open a business credit card under your startup unless they have authorized you to do so.

mia

You can open a business credit card account with your own name as the business name. Do not add any extra words or makeup up a business name, just First Name, Last Name.

You may then use that card for reimbursable business expenses.

mulliganman30

What is the most number of Chad business cards one can have open at a time? Anyone at 5, 6, or higher?

openwheelracing

can I open a business card with own name, then later change it to business name while keeping the same account?

sdsearch

Do you only ever intend to get one business card from Chase?

Because even you could do that (which I don't know), I would think it would look very suspicious to Chase if you did this pattern:

Apply for Chase biz card # 1 with your name as the business name
Change business name of Chase biz card # 1
Apply for Chase biz card # 2 with your name as the business name
Change business name of Chase biz card # 2
Apply for Chase biz card # 3 with your name as the business name
Change business name of Chase biz card # 3

etc

Why does it matter so much to you what the business name on the card is?

mia

Chase business card applications have two fields:

Legal Name of Business
Business Name on Card

Do we know if Chase seeks to verify the second field, or could one apply using FIRSTNAME LASTNAME in the first field and a made up name in the second field?

openwheelracing

I am asking because I am gearing up to start a business in a year, but in the mean time would like to get this card now.

sdsearch

Yes, but you need to understand that getting approved for a business card is often easier by pretending to not have a business (ie, using you own name, your own address, your own phone, $0 sales, 0 years in business, 0 employees) than giving info for a real business, especially a new one.

Give info for a real business often = get grilled about the business, need to verify business income and business address etc, etc.

Give info for "no real business" = get approved anyway most likely, with none of that

So with all of that in mind, what is so important to you about having the business name on the card?

Red259

Not sure, but it would not surprise me if Chase made the process very painful. I have a sole prop for a business. My business is legitimate. I have had two chase business cards. My business name on my current business accounts is for sake of the example is something like: Barber Shop of S. Smith. I had cards with that name on them for years (it was first initial only because the old apps would not give me enough room to write out the full name). Recently I applied for a new card. Same exact business but on the app I put Barber Shop of Steve Smith. Chase demanded verification and would not use my other business name to verify even though its still my social security number, same business address, same phone numbers etc. Because it is a sole prop the only document they would accept is a DBA which would have cost me $250 to get and I don't need a DBA for my business to begin with. They were totally irrational about the whole thing, so I waited 30 days for the application to die and reapplied using the name Barber Shop of S. Smith and sure enough the verified and approved the card. The point is that Chase can be a real PITA with this stuff. For my very first card I had to get a letter from my landlord verifying my office address and then get grilled about my business including the extent of my advertising of all things. No other lender has busted my chops as much as chase when it comes to business cards.

openwheelracing

I am taking all your good advice and acting now. Thank you all. CIP coming, CIC going to wife and myself as AU.

pallhedge

Personally, I think it's irrational to list a name that you have no legal ownership of on a financial document that asks for your Legal Business Name. The only Legal Name associated with the tax id you provided is Steven Smith or whatever is on your Social Security card. Would you put someone else's name on your personal application for credit? That would border on identity theft, no?

Ultimately, you were sort of "grandfathered in" by using a name that Chase already knows from a time when they were less strict about this.

Steve in Olympia

Just last week, I opened a Chase checking account in the name “Steve [Smith] Bicycle Tours” —— which matches the Ink card I have had for years. Yesterday, my branch asked me to drop by and sign new papers because the “back room” was insisting that I had to use DBA in the name. Fortunately, they haven’t asked for any documentation or verification.

m.photog

I have the Chase Ink Business Plus card. It looks like the card is no longer offered, my expiration date is 08/22. I wonder if Chase will eventually try to replace this with a different card? I get some great points value with this card.

Red259

Huh? Identity theft? What are you even talking about? Its not somebody else's name on the credit application. That comparison makes no sense whatsoever.