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 There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.
For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: HERE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 There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.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)
Apr 1, 2022, 12:51 pm
#586
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Apr 1, 2022, 1:16 pm
#587
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
At least they don’t say (or write) it’s “due to COVID”
.
Apr 2, 2022, 4:27 am
#588
Join Date: Feb 2016
Posts: 4
Hyatt business card
Does anyone know if I can do a Hyatt business card referral from my personal Hyatt card without potential negative consequences?
Apr 2, 2022, 9:12 am
#589
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
RNE, noting that icing on the cake is that the high balance won't be reported to credit bureaus.
Apr 2, 2022, 4:24 pm
#590
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
Apr 2, 2022, 7:53 pm
#591
Join Date: Sep 2011
Posts: 1,857
Apr 2, 2022, 7:58 pm
#592
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Apr 2, 2022, 8:48 pm
#593
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
Apr 3, 2022, 8:02 am
#596
Join Date: Feb 2003
Location: On strike
Posts: 8,135
In anticipation of an upcoming Ink application, I reviewed the application pages. For all 3 Ink cards, I did not see any “current cardholder/24 month” language. Wondering if there are any datapoints of successful applications (and SUBs) for same Ink cards and/or within 24 months. Thank you.
Case in point: my DW earned an Ink Cash SUB last month after having last done so in January 2021. To be honest, I don’t recall looking at the Certifications section when I—uh, she, yes, of course, my DW, she—submitted the most recent app, so I can’t say whether the 24-month language was present but unenforced or merely absent.
Apr 3, 2022, 8:08 am
#597
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Apr 3, 2022, 8:46 am
#598
Join Date: Feb 2003
Location: On strike
Posts: 8,135
I haven’t seen reports of co-branded cards (business or personal) being exempt since the early, early days of 5/24, so my impression is that Ink cards are very much the outlier in this respect.
Apr 3, 2022, 9:10 am
#599
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,864
Hmm, if Business cards do not count against your 5/24, you could really rack up just applying for business cards only once every three months. Am I forgetting something that would mess me up doing all the business cards that Chase offers?
Apr 3, 2022, 9:20 am
#600
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
To be clear, INK cards are not exempt from the unpublished 5/24 policy. This discussion is about the separate 24 months since last bonus stipulation in the offer terms.