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 There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.
For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: HERE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 There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.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)
Mar 8, 2022, 12:48 pm
#557
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
update: on SO's Ink Business Cash card...I was keeping an eye on it to see if they would up the CL (from $3K) after earning the bonus on 2/15. Nothing happened for a couple weeks and then I forgot to keep watching. Just noticed this morning that the limit is now at $6900.
Last edited by fredc84; Mar 9, 2022 at 7:34 am
Mar 9, 2022, 11:30 am
#558
Join Date: Jan 2022
Location: Laguna Beach
Posts: 100
DP
I made the mistake of applying for a second business card (ink cash) 24 days since getting approved for the first card (ink preferred was approved 2/8), but luckily was approved. We do have personal and business checking accounts with Chase for several years so perhaps that helped?!? So the 1/30 isn’t necessarily a hard and fast rule.
Mar 10, 2022, 7:25 am
#560
Join Date: Sep 2011
Posts: 1,857
I made the mistake of applying for a second business card (ink cash) 24 days since getting approved for the first card (ink preferred was approved 2/8), but luckily was approved. We do have personal and business checking accounts with Chase for several years so perhaps that helped?!? So the 1/30 isn’t necessarily a hard and fast rule.
Mar 14, 2022, 4:25 pm
#562
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,456
Finally got an instant approval!
P2 applied for a CIP today on the 100k offer and was instantly approved with a $5k limit.
Sole prop using SSN, $0 business revenue but high household income. 2/24, last Chase approval was a personal card 3 months ago. Did NOT proactively lower the other business card credit lines this time. Will try to instead transfer some credit limit from other Ink cards to this new one in order to make some big purchases.
Sole prop using SSN, $0 business revenue but high household income. 2/24, last Chase approval was a personal card 3 months ago. Did NOT proactively lower the other business card credit lines this time. Will try to instead transfer some credit limit from other Ink cards to this new one in order to make some big purchases.
Mar 21, 2022, 9:18 am
#563
Join Date: May 2011
Programs: Spg Gold, Hilton Diamond, Hyatt Diamond
Posts: 1,578
My wife was under 5/24 until she got 2 chase personal cards in the last 6 months. She is a private client so what are the odds she would be auto approved for her First Ever BIZ Card .
Mar 21, 2022, 10:26 am
#564
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
Mar 21, 2022, 4:32 pm
#565
Join Date: Feb 2022
Posts: 16
Anyone know if there are any higher in branch offers for the ink Business Unlimited?
I see they had offers as high as 200k points a few months ago.
I see they had offers as high as 200k points a few months ago.
Mar 23, 2022, 2:40 pm
#566
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
Applied for the CIC. Instant approval. Not that a 75,000 UR SUB is great, but my wife is upgrading her diamond (again*) and its price is well in excess of the $7,500 min spend.
You may recall last year's upgrade: I'm about to upgrade P2's engagement diamond
RNE, hoping this doesn't become an annual ritual.
You may recall last year's upgrade: I'm about to upgrade P2's engagement diamond
RNE, hoping this doesn't become an annual ritual.
Mar 23, 2022, 5:45 pm
#567
FlyerTalk Evangelist
Join Date: Dec 2002
Location: Danville, CA, USA;
Programs: UA 1MM, WN CP, Marriott LT Plat, Hilton Gold, IC Plat
Posts: 15,722
My CPC banker only had the 100k offer. Decided to pass as the 150k UA Biz card offer is a better SUB for me. However I have not applied for anything recently as I need to spend $10k or so to get points under several retention offers and Boraxo doesn't do MS. Hopefully the SUBs will still be high in a couple of months.
Mar 24, 2022, 1:31 pm
#568
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
Chase hard-pulled from TransUnion to approve my application. No problem. But here's a problem: Today Chase hard-pulled my Experian CR. Why? I haven't applied for any other cards. I haven't requested a credit line increase. What gives? Why the second hard pull a day later?
Mar 24, 2022, 6:08 pm
#569
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 3,292
I think they do that for anyone who may possibly be “diamond laundering” 
, which is just what it sounds like, money laundering using diamonds instead of currency. Since it’s usually apparently honest men just trying to be good significant others, it’s more difficult to detect .
(Yes, of course I’m kidding, I couldn’t resist. In all seriousness, I consider RNE’s advice “Any schedule change …” to be among the absolute best advice, right up there with HUCA, in the frequent flyer world.)
, which is just what it sounds like, money laundering using diamonds instead of currency. Since it’s usually apparently honest men just trying to be good significant others, it’s more difficult to detect .(Yes, of course I’m kidding, I couldn’t resist. In all seriousness, I consider RNE’s advice “Any schedule change …” to be among the absolute best advice, right up there with HUCA, in the frequent flyer world.)
Last edited by Dr Jabadski; Mar 24, 2022 at 6:13 pm
Mar 25, 2022, 11:55 am
#570
Join Date: Jan 2022
Location: Laguna Beach
Posts: 100
How soon can I apply for the CIU if I got the CIP 2/8, and the CIC 3/9?