Old Jan 27, 2023, 7:19 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: MDtR-Chicago
The previous thread is here: https://www.flyertalk.com/forum/chas...20-2022-a.html

In April 2020 Chase criteria for approving BUSINESS card applications became more stringent. All Chase INK products are business cards. Chase also issues co-branded business cards for United Airlines (2 different biz cards), Southwest Airlines (2 different biz cards), Hyatt and IHG.

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 There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.

For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: https://www.flyertalk.com/forum/chas...ds-2023-a.html

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: The automated Status Line often shows no record of business card applications. This does NOT mean that there is a problem with your application. You will need to contact Chase to learn the status, or wait for Chase to contact you.

You can use a single Username on chase.com to manage both Business and Personal card accounts, but you will initially need to set them up separately, and then telephonically ask customer service to combine them by merging the Personal account into the Business account. It cannot be done the other way. Once personal account is merged to business account, if all business cards are closed while keeping one (or more) personal cards open, online access to all cards will terminate and a new personal (online) account will need to be created using a different username than previous personal account.

Update: It is possible now to link Business and Personal accounts online. First set them up separately, then log into the Business account and follow this click path: Icon at the top right that looks like a person -> Profile & Settings -> Account Settings -> Manage Linked Accounts. Then look for the "Link relationship" option for the personal accounts. For more information on linking accounts: How to link Chase personal and business accounts?




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Applying for Chase BUSINESS Cards (2023)

Old Jan 10, 2023, 10:55 pm
  #16  
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Originally Posted by charmed18
Thank you for your response! I may have mis-worded my question. I wasn't necessarily asking a velocity question, but more so of if after I've cancelled the card (and I haven't applied for a business card from Chase in a while [more than 90 days]), when would it be appropriate to reapply? Does the 90 days still apply after the cancellation?
30 days is enough.
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Old Jan 11, 2023, 1:24 am
  #17  
 
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Originally Posted by pallhedge
There's no need to change any info on the application. Just apply for a second Ink as you did the first. It's fine.

While this is true of the card in question, there ARE Chase cards where you can be approved without the bonus. So tread carefully.
Thanks for sharing some data points and experiences about getting more than one Chase Ink Business Cash/Unlimited. I'm considering to applying my 2nd CIC, but I happen to see the following rule before hitting the submit button. Should I be worried about not getting the SUB even if the application got approval?

"10) The new Cardmember bonus offer is only available if I do not have this card and have not received a new Cardmember bonus for this card in the past 24 months."
imgur.com/a/hytWNRU

Thanks!
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Old Jan 12, 2023, 8:08 am
  #18  
 
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Originally Posted by swhsu
Thanks for sharing some data points and experiences about getting more than one Chase Ink Business Cash/Unlimited. I'm considering to applying my 2nd CIC, but I happen to see the following rule before hitting the submit button. Should I be worried about not getting the SUB even if the application got approval?

"10) The new Cardmember bonus offer is only available if I do not have this card and have not received a new Cardmember bonus for this card in the past 24 months."
imgur.com/a/hytWNRU

Thanks!
That language has been on Ink card applications for as long as I can recall (many years) and has never been enforced. If that language ever appears in the "Offer Terms", I will be worried.
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Old Jan 12, 2023, 8:16 am
  #19  
 
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Originally Posted by pallhedge
There's no need to change any info on the application. Just apply for a second Ink as you did the first. It's fine.

While this is true of the card in question, there ARE Chase cards where you can be approved without the bonus. So tread carefully.
So you are saying that you can apply for a second of the same card type (CIP, CIU, CIC) with sole prop and SSN, within 24 months, and not have to change the business name or name on the card at all and it won't matter?
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Old Jan 12, 2023, 8:56 am
  #20  
 
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Smile

Originally Posted by pallhedge
That language has been on Ink card applications for as long as I can recall (many years) and has never been enforced. If that language ever appears in the "Offer Terms", I will be worried.
Thanks for sharing this info! I just submitted the application and got approved.
The gap between this CIC and the previous one is about 3 years. Both have the same SSN and business name.
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Old Jan 12, 2023, 8:40 pm
  #21  
 
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P2 applied for the Ink Cash and was denied (applied on 12/07/22, recon'ed on 01/02/23). Until now, the phone status line still says that the app is under review even though I already received the electronic denial letter on 01/03. When will the app be dropped from the system?
P2 is planning to reapply for the card at the end of the month before the promotion ends. Can she reapply if the status phone line still say the the previous app is still under review?
Thanks.

Last edited by asdfghjk; Jan 13, 2023 at 9:09 am
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Old Jan 13, 2023, 12:33 pm
  #22  
 
Join Date: Sep 2011
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Originally Posted by bwin29
So you are saying that you can apply for a second of the same card type (CIP, CIU, CIC) with sole prop and SSN, within 24 months, and not have to change the business name or name on the card at all and it won't matter?
I'm saying exactly that (for Ink cards only). There are no tricks required.
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Old Jan 14, 2023, 11:27 am
  #23  
 
Join Date: Sep 2018
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I applied for a United Biz card back in November and a CIC 2 days ago. In both instances, the final page resulted in "We need to review longer," and the phone status line always said "no applications on file" which was incredibly confusing. I only realized today that I received letters stating the following reasons:

United Biz:
Too many credit cards opened in the last two years associated with you

CIC:
Too many credit cards opened in the last two years associated with you
Business structure
Insufficient business deposit relationship with us

I always applied with my sole-prop businesses. I track my cards diligently and as far as I can tell, I'm 4/24. Is this an outlier situation or have I made a mistake somehow? Surely 5/24 rule hasn't changed?
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Old Jan 14, 2023, 1:07 pm
  #24  
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Old Jan 14, 2023, 3:38 pm
  #25  
mia
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Originally Posted by a4lau
,,,,as far as I can tell, I'm 4/24.,,,, Surely 5/24 rule hasn't changed?

How many Chase business cards did you open in that 24 month period? There is some evidence that when Chase manually reviews applications they may also count their own business cards. Discussion here: https://www.flyertalk.com/forum/chas...ess-cards.html
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Old Jan 14, 2023, 4:16 pm
  #26  
 
Join Date: Sep 2018
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Thanks, didn't realize there was an ongoing thread on the potential of policy change. Including Chase Biz cards, I'm 5/24. Unfortunate if policy truly changed Will post DP in other thread.
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Old Jan 18, 2023, 1:06 am
  #27  
 
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Originally Posted by pallhedge
I'm saying exactly that (for Ink cards only). There are no tricks required.
Since the spend is $6k for CIC way did you spend the money on> Hw are generating the csh flow since that's $12k to spend and pay 3-4 months?
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Old Jan 18, 2023, 6:42 am
  #28  
 
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Originally Posted by euromannn
Since the spend is $6k for CIC way did you spend the money on> Hw are generating the csh flow since that's $12k to spend and pay 3-4 months?
A legitimate business has no problem spending that amount of money and paying it back. If it doesn't then the business does not need that card.
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Old Jan 18, 2023, 8:34 am
  #29  
 
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Originally Posted by EasternTraveler
A legitimate business has no problem spending that amount of money and paying it back. If it doesn't then the business does not need that card.
The question was not if you can make the money or pay ti back but where do you generate the income from as this could have come from MS or the business or a personal savings etc.. You summarize to a general business statement address the question so no need to respond to this comment. Thanks.
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Old Jan 18, 2023, 10:04 am
  #30  
 
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Originally Posted by euromannn
...could have come from MS or the business or a personal savings etc.. .
If MS = use the money from that, save it until bill comes and pay it back.

Last edited by mia; Jan 18, 2023 at 5:06 pm Reason: Remove personal remarks.
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