Apr 29, 2020, 12:53 pm
Last edit by: mia
In April 2020 Chase criteria for approving BUSINESS card applications have become more stringent. All Chase INK products are business cards. Chase also issues co-branded business cards for United Airlines and Southwest Airlines.
Chase business cards are subject to the 5/24 restriction. Approval of a Chase business application has not increased the N/24 count, but there are a few reports in the 4th quarter of 2022 that this may have changed, review THIS thread. There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.
For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: HERE
Anyone can apply for a business card as a sole proprietor. If your business has a registered company name, which Chase can verify, you may use the name to apply. Otherwise, use your legal First and Last name as the business name. Do not add any extra words, do not use a made up name. If Chase cannot verify the name the application will fail.
Useful Chase telephone numbers
(888) 269-8690 - Business Credit Card Application Status Line, automated
(800) 453-9719 – Business Credit Card Reconsideration Line with live rep
(800) 453-9719 – Credit Reallocation Office (Business cards)
(888) 622-7547 – Executive Offices
Twitter: @ChaseSupport
Note: In the past, automated telephone status reports stating that Chase would notify you in 2 weeks often resulted in an approval, whereas the "7-10 days" telephone recording often indicated imminent denial. In 2016, this pattern became increasingly unpredictable, with many applicants receiving approval despite an earlier "7-10 days" automated telephone message. As a result, automated telephone responses should not be regarded as reliable indicators of an application's likely outcome.
?? Chase business credit cards [must / may] use [the same / a different] user name [as / from] personal cards. The same [applies / does not apply] to the e-mail address used. ??
Chase business cards are subject to the 5/24 restriction. Approval of a Chase business application has not increased the N/24 count, but there are a few reports in the 4th quarter of 2022 that this may have changed, review THIS thread. There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.
For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: HERE
Anyone can apply for a business card as a sole proprietor. If your business has a registered company name, which Chase can verify, you may use the name to apply. Otherwise, use your legal First and Last name as the business name. Do not add any extra words, do not use a made up name. If Chase cannot verify the name the application will fail.
Useful Chase telephone numbers
(888) 269-8690 - Business Credit Card Application Status Line, automated
(800) 453-9719 – Business Credit Card Reconsideration Line with live rep
(800) 453-9719 – Credit Reallocation Office (Business cards)
(888) 622-7547 – Executive Offices
Twitter: @ChaseSupport
Note: In the past, automated telephone status reports stating that Chase would notify you in 2 weeks often resulted in an approval, whereas the "7-10 days" telephone recording often indicated imminent denial. In 2016, this pattern became increasingly unpredictable, with many applicants receiving approval despite an earlier "7-10 days" automated telephone message. As a result, automated telephone responses should not be regarded as reliable indicators of an application's likely outcome.
?? Chase business credit cards [must / may] use [the same / a different] user name [as / from] personal cards. The same [applies / does not apply] to the e-mail address used. ??
Applying for Chase BUSINESS Cards (April 2020 - 2022)
Feb 13, 2022, 5:20 pm
#541
Join Date: Feb 2022
Posts: 16
I meet the 24 month requirement for another welcome bonus. Not sure the best route to accomplish it is though.
Feb 14, 2022, 10:27 am
#542
Join Date: Sep 2014
Location: TPA/DFW/K15
Programs: AA EXP, Mar AMB, HH LT DIA
Posts: 1,652
1. You can downgrade if you like but it's not necessary. You can have more than one Ink Preferred and receive the bonuses on both.
2. Chase self referrals are dead. Applying with a different EIN is still a self referral.
3. Add the CSR to your business login and combining points should not be an issue.
2. Chase self referrals are dead. Applying with a different EIN is still a self referral.
3. Add the CSR to your business login and combining points should not be an issue.
Feb 14, 2022, 11:31 am
#543
Join Date: Feb 2016
Location: New York
Programs: Navy A-4 Skyhawk, B727 FE/FO, S80 FO, B757/767 FO, B737 CA
Posts: 1,342
Feb 14, 2022, 11:48 am
#544
Join Date: Sep 2014
Location: TPA/DFW/K15
Programs: AA EXP, Mar AMB, HH LT DIA
Posts: 1,652
I assume spouse to spouse referrals are okay. Different UR accounts, different Business accounts.
Feb 14, 2022, 11:59 am
#545
Join Date: Feb 2016
Location: New York
Programs: Navy A-4 Skyhawk, B727 FE/FO, S80 FO, B757/767 FO, B737 CA
Posts: 1,342
Yea, I've been referring my SO and myself back and forth...it works great...but you can only refer biz to biz or personal to personal, can't mix them.
Feb 27, 2022, 12:59 pm
#546
Join Date: May 2009
Location: LAX
Programs: AS MVPG100, Hyatt Globalist, MGM Gold, Caesars Diamond
Posts: 636
Do staples Visa gift cards count towards the Chase Business Ink Cash sign up spend? What are spends routinely rejected?
Feb 27, 2022, 1:53 pm
#547
Join Date: Jun 2017
Location: SEA/NYC/IAD
Programs: UA 1K, Marriott Titanium, Hyatt Explorist
Posts: 1,921
I've reached the total personal credit limit that Chase is willing to extend. Does this have any bearing on business card applications and credit limit?
For context, I've got a $20k charge coming up and I was thinking I could go for a CIP, but if I end up with a $5k credit limit I doubt it work (unless Chase permits pre-funding the card?)
For context, I've got a $20k charge coming up and I was thinking I could go for a CIP, but if I end up with a $5k credit limit I doubt it work (unless Chase permits pre-funding the card?)
Feb 27, 2022, 2:21 pm
#548
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Yes. Business cards are issued to individuals, not to companies. You may be able to move credit from a personal card account to a business account, but you may not be able to move it in the opposite direction. (I know some issuers have this restriction, not certain how Chase handles it.)
Mar 1, 2022, 2:09 pm
#549
Join Date: Jun 2017
Location: SEA/NYC/IAD
Programs: UA 1K, Marriott Titanium, Hyatt Explorist
Posts: 1,921
So I applied on a whim, figured why not give it a shot, got the 30 day mail notice, and then a voicemail this morning from the fraud prevention department asking for additional verification. After some bouncing around their system, it turns out they just wanted to confirm that I'd applied for the card and the representative processed the application right then and there. So evidently Chase seems willing to exceed that overall $75k credit limit at this point. I'd previously had to have credit reallocated from another card to the CSP I'd applied for.
Unfortunately it's only a $6k limit, but maybe I can either do some cycling or call in to see if they'd let a one-time huge charge go through.
Unfortunately it's only a $6k limit, but maybe I can either do some cycling or call in to see if they'd let a one-time huge charge go through.
Mar 7, 2022, 7:08 am
#550
Join Date: Nov 2006
Location: LAX
Posts: 2,851
applied for the Chase business ink unlimited today.
Got the message IN review
We' lll let you know our decision in writing as soon as we can . Our email or letter will include instructions on how to provide additional information or documentation if needed.
Guess about less than a minute I got an email from chase stating:
We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days.
Guess I am denied....is this correct?
If it looks like it, I think I will apply for the Capital Venture card tomorrow.
NOTE- Last night, got an email from Chase that I was approved for the card and will receive it within 3 to 5 days.
Got the message IN review
We' lll let you know our decision in writing as soon as we can . Our email or letter will include instructions on how to provide additional information or documentation if needed.
Guess about less than a minute I got an email from chase stating:
We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days.
Guess I am denied....is this correct?
If it looks like it, I think I will apply for the Capital Venture card tomorrow.
NOTE- Last night, got an email from Chase that I was approved for the card and will receive it within 3 to 5 days.
Last edited by metoo; Mar 8, 2022 at 8:57 am Reason: updating status of my application
Mar 7, 2022, 8:20 am
#551
Join Date: Mar 2019
Programs: AA EXP and Marriott Titanium
Posts: 776
applied for the Chase business ink unlimited today.
Got the message IN review
We' lll let you know our decision in writing as soon as we can . Our email or letter will include instructions on how to provide additional information or documentation if needed.
Guess about less than a minute I got an email from chase stating:
We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days.
Guess I am denied....is this correct?
If it looks like it, I think I will apply for the Capital Venture card tomorrow.
Got the message IN review
We' lll let you know our decision in writing as soon as we can . Our email or letter will include instructions on how to provide additional information or documentation if needed.
Guess about less than a minute I got an email from chase stating:
We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days.
Guess I am denied....is this correct?
If it looks like it, I think I will apply for the Capital Venture card tomorrow.
Mar 7, 2022, 8:22 am
#552
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
RNE, wishing you luck.
Mar 7, 2022, 1:18 pm
#553
Join Date: Oct 2016
Location: SBA
Programs: UA Gold 1MM, Marriott Gold, IHG Plat, Hertz PC
Posts: 941
applied for the Chase business ink unlimited today.
Got the message IN review
We' lll let you know our decision in writing as soon as we can . Our email or letter will include instructions on how to provide additional information or documentation if needed.
Guess about less than a minute I got an email from chase stating:
We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days.
Guess I am denied....is this correct?
If it looks like it, I think I will apply for the Capital Venture card tomorrow.
Got the message IN review
We' lll let you know our decision in writing as soon as we can . Our email or letter will include instructions on how to provide additional information or documentation if needed.
Guess about less than a minute I got an email from chase stating:
We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days.
Guess I am denied....is this correct?
If it looks like it, I think I will apply for the Capital Venture card tomorrow.
Mar 7, 2022, 4:24 pm
#554
Join Date: Feb 2016
Location: New York
Programs: Navy A-4 Skyhawk, B727 FE/FO, S80 FO, B757/767 FO, B737 CA
Posts: 1,342
Mar 8, 2022, 8:56 am
#555
Join Date: Nov 2006
Location: LAX
Posts: 2,851
Got an email from Chase that I was approved for the Chase Business Unlimited last night and will receive the card within 3 to 5 days. Only 5k credit limit but at least it is something. I see my credit card on the chase account.
Honestly don't think I would be approved
Honestly don't think I would be approved