Jan 27, 2023, 7:19 am
Last edit by: philemer
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 does not increase 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 There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.
For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: https://www.flyertalk.com/forum/chas...ds-2023-a.html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?
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 does not increase 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?
Applying for Chase BUSINESS Cards (2023-24)
Jan 28, 2024, 12:44 pm
#751
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: 5,494
I am in the habit of proactively lowering my credit lines in advance of new applications, so I assume that factors in, as I always have excess credit line available in Chase's viewpoint.
Jan 29, 2024, 1:12 am
#752
Join Date: Dec 2022
Posts: 194
You have a low credit score though not a bad score. pay on time and don't carry large balances and don't open new accounts. these days only score of 800 is considered good . my fico score is 825 if curious
Last edited by mia; Jan 29, 2024 at 7:36 am Reason: Prune quotation.
Jan 29, 2024, 8:04 am
#753
Join Date: Oct 2023
Posts: 313
This is a churning forum? How do you suggest I follow this advice?
Jan 29, 2024, 8:41 am
#754
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: HH & IHG Gold; Marriott & AA Perpetual Platinum
Posts: 49,216
Moderator observation
Not exactly. This is a credit card rewards and benefits forum. People participate here for a range of reasons. Some want information about earning rewards by opening accounts, but others are more interested in spending on their existing accounts, using benefits, negotiating retention bonuses, and deciding when to close cards. The recommendation to take a break from opening accounts until you pay down your balance, and see your scores rebound, is entirely consistent with the purpose of this forum.
Jan 29, 2024, 8:54 am
#755
Join Date: Oct 2023
Posts: 313
Not exactly. This is a credit card rewards and benefits forum. People participate here for a range of reasons. Some want information about earning rewards by opening accounts, but others are more interested in spending on their existing accounts, using benefits, negotiating retention bonuses, and deciding when to close cards. The recommendation to take a break from opening accounts until you pay down your balance, and see your scores rebound, is entirely consistent with the purpose of this forum.
Jan 29, 2024, 8:54 am
#756
Join Date: Mar 2008
Posts: 1,573
r/churning
is the subreddit name
Jan 29, 2024, 8:56 am
#757
Join Date: Oct 2023
Posts: 313
Jan 30, 2024, 1:28 am
#758
Join Date: Dec 2022
Posts: 194
when you have a score of 800 or more, you have better chance of approval even if there are other things that may not be in your favor like if you recently opened other chase cards or too much overall credit limits, etc. They may offer to move credit limit from other chase cards to approve you.
Jan 31, 2024, 11:10 am
#759
Join Date: Mar 2017
Posts: 580
This is correct. There is a bit of a caveat though. While Chase's automatic system will consider it dropped on the 1st of the 24th month, something else may inhibit instant approval. Not all agents are privy to the "1st of the 24th month" rule, and during recon you might be told that you are not eligible because the precise 2 year mark has not yet been reached. The solution in this case is to HUCA.
Jan 31, 2024, 2:25 pm
#760
Join Date: Dec 2019
Posts: 17
Chase cites having enough credit to cover my revenue and other recently opened chase cards (2 personal and 3 biz the last two years) to deny my United biz card application. How can I get approved again? Should I close some current ink cards (7 across 2 businesses), reduce my credit on my biz cards, or apply using a 3rd legit business? Any chance I could do one or both of the first two options and have them review my application again?
Jan 31, 2024, 2:27 pm
#761
Join Date: Jan 2024
Posts: 6
Hello, I have personal cards with chase, 4 in total. I have a credit score of 730-740 between all issuers. I got my last chase card approved (the sapphire preferred) on 12/14/23. Am I ok to apply for my first business card with chase (and in general) right now since it doesn't show up on my personal credit? or is it too soon? I plan to say the business will earn 1000$ per year.
Feb 1, 2024, 9:11 am
#762
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,889
Hello, I have personal cards with chase, 4 in total. I have a credit score of 730-740 between all issuers. I got my last chase card approved (the sapphire preferred) on 12/14/23. Am I ok to apply for my first business card with chase (and in general) right now since it doesn't show up on my personal credit? or is it too soon? I plan to say the business will earn 1000$ per year.
Feb 4, 2024, 6:05 am
#763
Join Date: Mar 2023
Location: EWR, JFK
Programs: UA MileagePlus, Marriott Bonvoy, Amex Rewards, JetBlue TrueBlue
Posts: 37
I opened the AMEX Blue Business Plus back on 1/13/24 and was approved immediately. Now, I would like to apply for the Chase Ink Preferred. Is it too soon? The only other business card I have is the Chase Ink Cash which I opened on 8/24/23.
Feb 4, 2024, 8:06 am
#764
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: HH & IHG Gold; Marriott & AA Perpetual Platinum
Posts: 49,216
If American Express pulled a credit report in connection with this application, Chase would be able to see that you applied for "something" recently. However, American Express does not report business card accounts to personal credit bureaus, which means Chase will not know the outcome of the application, and it is unlikely to affect a Chase application unless you have several other recent inquiries.
Last edited by mia; Feb 4, 2024 at 8:12 am
Feb 4, 2024, 8:18 am
#765
Join Date: Mar 2023
Location: EWR, JFK
Programs: UA MileagePlus, Marriott Bonvoy, Amex Rewards, JetBlue TrueBlue
Posts: 37
If American Express pulled a credit report in connection with this application, Chase would be able to see that you applied for "something" recently. However, American Express does not report business card accounts to personal credit bureaus, which means Chase will not know the outcome of the application, and it is unlikely to affect a Chase application unless you have several other recent inquiries.
As a follow-up, I opened the Chase United Explorer in March 2023 and the Chase Marriott Boundless in November 2023. Yikes, that's three Chase cards in one year, two being personal and one being business. Knowing that, would that affect my chances?
Last edited by mia; Feb 4, 2024 at 8:52 am