Chase Ink Business Cards - July 2015- Present
Jan 2, 19, 5:14 am - Wikipost
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Aug 14, 15, 9:14 am
#61
Join Date: Aug 2015
Posts: 369
I was just wanting to make sure that since nearly most of the spend is going to be in the bonus category, they dont shut out my account.
Aug 14, 15, 10:05 am
#62
Join Date: Aug 2015
Posts: 22
I wouldn't worry about it. As far as applying for business cards go with a legit business, you're probably on the more legit side of those here that apply for business cards for their 'businesses'. Try to associate yourself to their business moreso than you did in your first post though. It's a family business, and you're an integral part of it's finances as far as Chase is concerned.
I would worry a little if a huge percentage of purchases are only bonus categories though, especially the 5x one. There's many reports of Chase shutting down accounts with exclusively 5x, though most come from people MSing thousands more than you'll be charging a month. To be safe, try to diversify your spend with the card here and there. UR points can be pretty powerful anyway, so it's not like its a big loss using it on a non bonus category.
I would worry a little if a huge percentage of purchases are only bonus categories though, especially the 5x one. There's many reports of Chase shutting down accounts with exclusively 5x, though most come from people MSing thousands more than you'll be charging a month. To be safe, try to diversify your spend with the card here and there. UR points can be pretty powerful anyway, so it's not like its a big loss using it on a non bonus category.
Aug 14, 15, 7:42 pm
#63
Join Date: Aug 2015
Posts: 369
Originally Posted by Hank Scorpio
I wouldn't worry about it. As far as applying for business cards go with a legit business, you're probably on the more legit side of those here that apply for business cards for their 'businesses'. Try to associate yourself to their business moreso than you did in your first post though. It's a family business, and you're an integral part of it's finances as far as Chase is concerned.
I would worry a little if a huge percentage of purchases are only bonus categories though, especially the 5x one. There's many reports of Chase shutting down accounts with exclusively 5x, though most come from people MSing thousands more than you'll be charging a month. To be safe, try to diversify your spend with the card here and there. UR points can be pretty powerful anyway, so it's not like its a big loss using it on a non bonus category.
I would worry a little if a huge percentage of purchases are only bonus categories though, especially the 5x one. There's many reports of Chase shutting down accounts with exclusively 5x, though most come from people MSing thousands more than you'll be charging a month. To be safe, try to diversify your spend with the card here and there. UR points can be pretty powerful anyway, so it's not like its a big loss using it on a non bonus category.
Aug 14, 15, 9:28 pm
#64
Join Date: May 2008
Location: PHL (kinda, no airport is really close)
Programs: AA Gold but aiming for Plat Pro. Enterprise Platinum though, woo-hoo!
Posts: 2,822
I've gotten biz cards from Amex and Chase. Amex has never asked any meaningful questions about my business. When I got my Chase Ink Bold they asked how long I had been in business, what my profit was last year, average spend, a bunch of questions. I have a legit business with low 5-figure revenue, so I wasn't worried. But it wasn't like Amex where they will accept almost any vague answer.
Aug 15, 15, 1:40 pm
#65
Join Date: May 2015
Posts: 324
How hard?
So, I'm just curious, how hard are you all hitting ink each month with staples or office max/depot? How hard are you hitting the 5x spending category each month?
Aug 15, 15, 1:49 pm
#66
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 1,787
Originally Posted by VeryHumerus
I was just wanting to make sure that since nearly most of the spend is going to be in the bonus category, they dont shut out my account.
Aug 16, 15, 3:25 pm
#67
Join Date: Aug 2015
Posts: 214
Originally Posted by Big4Flyer
Yes, I recognize my questions is purely speculation but I noticed that there were increased offers last September through January and again in May. What are the chances that another increased offer comes around again this fall?
I'd really like to get the Ink Plus but I'd hate to settle for the 50k if the 60k or 70k offer comes around again. Has there been any sort of trend in the past related to when the offer is increased?
I'd really like to get the Ink Plus but I'd hate to settle for the 50k if the 60k or 70k offer comes around again. Has there been any sort of trend in the past related to when the offer is increased?
Chase is also very liberal about giving you the difference in bonus points if the offer does increase, so if you signed up now and it went up to 60k in the next month or two, a quick SM will likely result in them giving you the 10k in addition to your bonus.
Aug 16, 15, 4:00 pm
#68
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 1,787
Originally Posted by Big4Flyer
Yes, I recognize my questions is purely speculation but I noticed that there were increased offers last September through January and again in May. What are the chances that another increased offer comes around again this fall?
I'd really like to get the Ink Plus but I'd hate to settle for the 50k if the 60k or 70k offer comes around again. Has there been any sort of trend in the past related to when the offer is increased?
I'd really like to get the Ink Plus but I'd hate to settle for the 50k if the 60k or 70k offer comes around again. Has there been any sort of trend in the past related to when the offer is increased?
Aug 17, 15, 8:36 pm
#69
Join Date: Aug 2015
Posts: 369
so quick question.
I use my credit cards to pay utilities for my parents store since I like rewards and have a higher credit line, but the business is theirs (gas station).
How would I go about opening an Ink card in terms of business category, type, subtype on the application?
I can be put on their payroll if needed.
I use my credit cards to pay utilities for my parents store since I like rewards and have a higher credit line, but the business is theirs (gas station).
How would I go about opening an Ink card in terms of business category, type, subtype on the application?
I can be put on their payroll if needed.
Aug 18, 15, 11:52 am
#70
Join Date: Aug 2015
Posts: 5
Have anyone ever tried to upgrade the Ink cash to Ink plus?
My case is that I've got freedom and ink cash and a lot of UR points, but due to chase's stupid 5-card-limit policy there's no hope for me to get CSP in the short term. I need to transfer some of the UR points to mileage, so the only option seems to be upgrading one of the existing credit cards to a higher tier. It seems Ink plus just offer the same function as CSP in terms of UR points transfer. So I'm wondering if there is anyone having a clue about upgrading Ink cash to Ink plus.
My case is that I've got freedom and ink cash and a lot of UR points, but due to chase's stupid 5-card-limit policy there's no hope for me to get CSP in the short term. I need to transfer some of the UR points to mileage, so the only option seems to be upgrading one of the existing credit cards to a higher tier. It seems Ink plus just offer the same function as CSP in terms of UR points transfer. So I'm wondering if there is anyone having a clue about upgrading Ink cash to Ink plus.
Aug 18, 15, 12:25 pm
#71
Join Date: Oct 2011
Posts: 4,165
I asked this earlier, but that thread was closed.
My "soft limit" on my IB card was 18k, and last busy season I used all of that for my business. Now that they're changing to a revolving line they only gave me a 12k line. Can they pull credit from personal cards and move it to my IB card?
My "soft limit" on my IB card was 18k, and last busy season I used all of that for my business. Now that they're changing to a revolving line they only gave me a 12k line. Can they pull credit from personal cards and move it to my IB card?
Aug 18, 15, 7:00 pm
#72
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 1,787
Originally Posted by Superorb
I asked this earlier, but that thread was closed.
My "soft limit" on my IB card was 18k, and last busy season I used all of that for my business. Now that they're changing to a revolving line they only gave me a 12k line. Can they pull credit from personal cards and move it to my IB card?
My "soft limit" on my IB card was 18k, and last busy season I used all of that for my business. Now that they're changing to a revolving line they only gave me a 12k line. Can they pull credit from personal cards and move it to my IB card?
Aug 18, 15, 8:50 pm
#73
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 1,787
Has anyone who currently holds the bold card been able to get the ink plus, since the announced changes?
Aug 20, 15, 9:51 pm
#74
Join Date: Jul 2001
Location: DTW
Programs: AA Gold, Marriott PLT
Posts: 733
I have had a Bold since 2012. After the Vanilla reloads dried up my spend has been mostly auto payments for phone, cable with occasional gas.
I'd like to do more office store purchases for ms. Went to an Office Depot today to find out they no longer sell variable rate Visa gift cards up to $500.
Would anyone share a plan for me to get $5K in gift card spend on this card in shortest amount of time possible?
I'd like to do more office store purchases for ms. Went to an Office Depot today to find out they no longer sell variable rate Visa gift cards up to $500.
Would anyone share a plan for me to get $5K in gift card spend on this card in shortest amount of time possible?
Aug 20, 15, 10:24 pm
#75
Join Date: Jul 2015
Posts: 27
Originally Posted by gardengirl
Would anyone share a plan for me to get $5K in gift card spend on this card in shortest amount of time possible?
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Any reports lately of getting UR mall credit for VGC purchases through office supply stores (e.g., the extra 2x for Staples)? I've heard sometimes it credits and sometimes it doesn't -- any rhyme or reason?
Last edited by philemer; Aug 21, 15 at 12:19 pm
