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 There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.
For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: HERE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 There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.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)
Jun 5, 2022, 7:12 pm
#661
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Do you happen to also have the grandfathered IHG $49.00 Select card?
I have both, but can never register for the United $25.00 credit because it won't recognize that I also have the Business Premier card.
www.ihg.com/united
I have both, but can never register for the United $25.00 credit because it won't recognize that I also have the Business Premier card.
www.ihg.com/united
But when I try to go to that website and log in, it says:
Sorry, this offer is only available for IHG Rewards Premier and Business Premier Credit Cardmembers. If you’ve received this message in error, contact IHG Customer Care: 1 (877) 424-2449
So did you try to contact IHG Customer Care by phone, to see if they could work around the problem, or did you just stop because of the message? Or was it not showing the phone number back when you tried it?
But people are reporting that when have both cards they're still earning 10% back on IHG award redemptions form the grandfathered $49 Select card. I wonder if them changing the "main" card you have registered to Business from Select will activate the $25 per half-year offer, but de-activate the 10% back on redemptions legacy offer?
That 10% back on IHG award redemptions is the main reason I'm keeping my legacy $49 Select card.I'm not sure if I want to give up 10% back on redemptions for another $25 every half-year at United, given that I'm "saturating" my United TravelBank with "ancillary" fee credits on Amex cards. I haven't been able to start using my TravelBank funds yet, because I had a United travel credit I had to use up first, and United doesn't allow using TravelBank on the same purchase as a travel credit.
Last edited by sdsearch; Jun 5, 2022 at 7:19 pm
Jun 6, 2022, 8:53 am
#662
Join Date: Feb 2006
Posts: 1,063
Yes, I have both card (though I haven't actually received and activated the business card yet).
But when I try to go to that website and log in, it says:
Sorry, this offer is only available for IHG Rewards Premier and Business Premier Credit Cardmembers. If you’ve received this message in error, contact IHG Customer Care: 1 (877) 424-2449
So did you try to contact IHG Customer Care by phone, to see if they could work around the problem, or did you just stop because of the message? Or was it not showing the phone number back when you tried it?
But people are reporting that when have both cards they're still earning 10% back on IHG award redemptions form the grandfathered $49 Select card. I wonder if them changing the "main" card you have registered to Business from Select will activate the $25 per half-year offer, but de-activate the 10% back on redemptions legacy offer? That 10% back on IHG award redemptions is the main reason I'm keeping my legacy $49 Select card.
I'm not sure if I want to give up 10% back on redemptions for another $25 every half-year at United, given that I'm "saturating" my United TravelBank with "ancillary" fee credits on Amex cards. I haven't been able to start using my TravelBank funds yet, because I had a United travel credit I had to use up first, and United doesn't allow using TravelBank on the same purchase as a travel credit.
But when I try to go to that website and log in, it says:
Sorry, this offer is only available for IHG Rewards Premier and Business Premier Credit Cardmembers. If you’ve received this message in error, contact IHG Customer Care: 1 (877) 424-2449
So did you try to contact IHG Customer Care by phone, to see if they could work around the problem, or did you just stop because of the message? Or was it not showing the phone number back when you tried it?
But people are reporting that when have both cards they're still earning 10% back on IHG award redemptions form the grandfathered $49 Select card. I wonder if them changing the "main" card you have registered to Business from Select will activate the $25 per half-year offer, but de-activate the 10% back on redemptions legacy offer?
That 10% back on IHG award redemptions is the main reason I'm keeping my legacy $49 Select card.I'm not sure if I want to give up 10% back on redemptions for another $25 every half-year at United, given that I'm "saturating" my United TravelBank with "ancillary" fee credits on Amex cards. I haven't been able to start using my TravelBank funds yet, because I had a United travel credit I had to use up first, and United doesn't allow using TravelBank on the same purchase as a travel credit.
Glad I am not the only one. I'll let you know if I make any progress.
I wish IHG had a Flyertalk rep, like Hilton and Marriott.
Jun 6, 2022, 2:59 pm
#663
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,080
My DW applied for the Hyatt Biz card 3 days ago and got this message: 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.
Thanks for choosing Chase.
Facts:
-CR was pulled (Exp)
-score is 800+
-she's never been denied a Chase card
-legit biz.
-at 3/24
-currently holds 2 Chase Biz cards and 3 consumer cards
The Chase status line shows no record of her app. Odds of approval?
Thanks for choosing Chase.
Facts:
-CR was pulled (Exp)
-score is 800+
-she's never been denied a Chase card
-legit biz.
-at 3/24
-currently holds 2 Chase Biz cards and 3 consumer cards
The Chase status line shows no record of her app. Odds of approval?
Jun 7, 2022, 3:29 pm
#665
Join Date: Nov 2019
Location: RDU
Programs: HH Diamond, AA Gold, Marriot Plat
Posts: 209
Applied for the ink cash business on June 7 while pending a closing on home scheduled for June 17th. Immediately receive an email from loan officer about the soft pull from JPMCB asking for a 0 balance statement or cancelled the application if it’s too new with a today day or date after cancelled on the letterhead . Called chase reconsideration line and told the CSR that I need decision today or cancel my application, after two minutes on hold, Approved and got expedite shipping.
Can we move credit limit from a personal card to business?
DP-maybe some of y’all can use this excuse although mine closing was real LoL
Can we move credit limit from a personal card to business?
DP-maybe some of y’all can use this excuse although mine closing was real LoL
Jun 7, 2022, 3:33 pm
#666
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Jun 7, 2022, 3:42 pm
#667
Join Date: Nov 2019
Location: RDU
Programs: HH Diamond, AA Gold, Marriot Plat
Posts: 209
Jun 7, 2022, 6:08 pm
#668
Join Date: Mar 2019
Programs: AA EXP and Marriott Titanium
Posts: 776
Applied for the ink cash business on June 7 while pending a closing on home scheduled for June 17th. Immediately receive an email from loan officer about the soft pull from JPMCB asking for a 0 balance statement or cancelled the application if it’s too new with a today day or date after cancelled on the letterhead . Called chase reconsideration line and told the CSR that I need decision today or cancel my application, after two minutes on hold, Approved and got expedite shipping.
Can we move credit limit from a personal card to business?
DP-maybe some of y’all can use this excuse although mine closing was real LoL
Can we move credit limit from a personal card to business?
DP-maybe some of y’all can use this excuse although mine closing was real LoL
Jun 8, 2022, 3:21 pm
#669
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
Just went through a little saga trying to get SO a second Chase Business card, but I'm not going to detail the entire thing here (it's not all that important). But on my last call to get the first app sorted out (turns out the first app had been archived), the rep said it would be better to go to a branch to do the reapplication. I wanted to get the referral bonus so I ignored that advice.
Reapplied online right after that call and got approval within about a week. The referral bonus just showed up in my pending points for my Chase Biz Preferred.
Reapplied online right after that call and got approval within about a week. The referral bonus just showed up in my pending points for my Chase Biz Preferred.
Jun 14, 2022, 2:41 pm
#670
Join Date: Jul 2011
Posts: 162
I applied for my 5th Chase business card, the new Chase IHG business card, a few days ago. Sole proprietorship, business opened current month, 0 employees, $0 income. Excellent credit score. The application confirmation page showed it as pending, but within minutes I got an email saying I had been approved, and when I logged out and logged back into my Chase business account, the card was already showing there.
Are the screws loosening?
Last edited by flew-d-coop; Jun 17, 2022 at 11:15 am
Jun 15, 2022, 12:04 pm
#671
Join Date: Jun 2022
Posts: 3
Does it matter if when applying for your first business card, you login using your personal account or fill out the application as a guest? The latter seems like it will create a separate business account, but I'm not sure how that will effect likelihood of having the application being accepted. This would be for a sole proprietorship application.
Jun 15, 2022, 12:20 pm
#672
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Chase does not allow Business cards to be added to a personal online account. No matter how you apply, you will have a separate online Business login. If you wish, you can then ask Chase to move your personal cards to your Business login, but it cannot be done in the reverse direction.
Jun 15, 2022, 12:43 pm
#673
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,080
Chase does not allow Business cards to be added to a personal online account. No matter how you apply, you will have a separate online Business login. If you wish, you can then ask Chase to move your personal cards to your Business login, but it cannot be done in the reverse direction.
Jun 19, 2022, 1:35 pm
#674
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
"Somewhere" else in this thread it says that Chase stopped approving most business cards (especially sole proprietor), and then "somewhere" else in this thread you can see that they started again (all of this determined through datapoints, no Chase announcements).
Jun 19, 2022, 1:45 pm
#675
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Perhaps you are thinking of the American Express application form which would not accept a value lower than $1,000?
Amex (USA) adds new requirement for minimum $1,000 annual Business Revenue
Amex (USA) adds new requirement for minimum $1,000 annual Business Revenue