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 There will always be some uncertainty, because 5/24 is an unpublished rule which Chase can modify without notice or explanation.
For general information about applying for Chase cards, including explanation of the unpublished 5/24 rule, please review the Wikipost of the PERSONAL card thread: https://www.flyertalk.com/forum/chas...ds-2023-a.html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)
Mar 16, 2024, 7:52 am
#798
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: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,061
Mar 16, 2024, 8:20 am
#799
Join Date: Dec 2008
Location: NYC
Programs: BA Gold, HH Diamond, Marriott Gold
Posts: 1,268
I applied for Amex Biz Gold and Chase Ink Preferred this week. Got an Experian Inquiry by Chase but no pull from Amex. Both instant approvals
Mar 16, 2024, 8:51 am
#800
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: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,061
This is common for existing American Express customers, but it has nothing to do with personal versus business: No Initial Hard Credit Pull for Existing Amex Cardholders?
Mar 16, 2024, 10:37 am
#801
Join Date: Nov 2012
Programs: SPG Platinum
Posts: 1,712
Applied for Business Hyatt card and about 20mins later got a phone call from Chase Fraud team to confirm that I had made the application, said yes, then they said they would continue processing.
Found that surprising. On previous applications they asked the random questions about car loans and the county I live in, etc. Does this difference mean anything about the likely outcome?
Found that surprising. On previous applications they asked the random questions about car loans and the county I live in, etc. Does this difference mean anything about the likely outcome?
Mar 16, 2024, 11:03 am
#802
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: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,061
Mar 22, 2024, 7:29 am
#805
Join Date: Feb 2012
Location: The place where it gets so hot in the summer some planes can't take off.
Programs: Marriott LT Titanium, WoH Globalist, National EE, United Platinum
Posts: 1,453
I don't plan on hitting Ink nearly as hard as many people here do, but I just closed down a Ink Cash with the intent to get a new one in 2-3 months. Maybe get one every 6-12 months after that for as long as this is viable to just give an added boost to my UR balance every year. No plans on MS... been there done that. Not worth my time/effort anymore unless I find something beyond GC and MO.
I highly value my existing CSR and stash of points and am also a CPC and associated investment account customer.
Anyone think it's a bad idea to do ~2 Ink a year if you don't want to chance a shutdown? Over the past few years I have taken up the mantra "don't sh!t where you eat" but I have also decided I don't want to pass up bonuses.
I highly value my existing CSR and stash of points and am also a CPC and associated investment account customer.
Anyone think it's a bad idea to do ~2 Ink a year if you don't want to chance a shutdown? Over the past few years I have taken up the mantra "don't sh!t where you eat" but I have also decided I don't want to pass up bonuses.
Mar 22, 2024, 7:54 pm
#806
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: 3,375
I don't plan on hitting Ink nearly as hard as many people here do, …Maybe get one every 6-12 months after that for as long as this is viable … No plans on MS... been there done that. Not worth my time/effort anymore unless I find something beyond GC and MO.
I highly value my existing CSR and stash of points and am also a CPC and associated investment account customer.
Anyone think it's a bad idea to do ~2 Ink a year if you don't want to chance a shutdown? Over the past few years I have taken up the mantra "don't sh!t where you eat" but I have also decided I don't want to pass up bonuses.
I highly value my existing CSR and stash of points and am also a CPC and associated investment account customer.
Anyone think it's a bad idea to do ~2 Ink a year if you don't want to chance a shutdown? Over the past few years I have taken up the mantra "don't sh!t where you eat" but I have also decided I don't want to pass up bonuses.
Agree with trying to fly under the UR SUB radar, agree with preserving existing CPC/JPM relationships and UR balances (personal and biz), violently agree that since the demise of the low hanging fruit of MS (Vanilla reloads, Target Redcard) the juice isn’t worth the squeeze anymore. (Fortunately, estimated tax payments provide all the MS I can use.)
My plan going forward is 3 Inks/SUBs per year, 1 of each flavor (Preferred, Cash, Unlimited) keeping each account open for 12.5 – 13 months, applying 30-60 days after account closure, never having 2 of the same flavor open at the same time. I believe that’s judiciously aggressive and hopefully will not garner much (extra) attention from Chase. Granted that's not as aggressive as others, presumably it's less risky.
(Oh yeah, a Sapphire Reserve or Preferred SUB every 49 months also.
)
Mar 23, 2024, 1:27 pm
#807
Join Date: Feb 2012
Location: The place where it gets so hot in the summer some planes can't take off.
Programs: Marriott LT Titanium, WoH Globalist, National EE, United Platinum
Posts: 1,453
I’m in very close agreement with you, in addition to not soiling my dinner table I also don’t want to look a gift horse in the mouth.
Agree with trying to fly under the UR SUB radar, agree with preserving existing CPC/JPM relationships and UR balances (personal and biz), violently agree that since the demise of the low hanging fruit of MS (Vanilla reloads, Target Redcard) the juice isn’t worth the squeeze anymore. (Fortunately, estimated tax payments provide all the MS I can use.)
My plan going forward is 3 Inks/SUBs per year, 1 of each flavor (Preferred, Cash, Unlimited) keeping each account open for 12.5 – 13 months, applying 30-60 days after account closure, never having 2 of the same flavor open at the same time. I believe that’s judiciously aggressive and hopefully will not garner much (extra) attention from Chase. Granted that's not as aggressive as others, presumably it's less risky.
(Oh yeah, a Sapphire Reserve or Preferred SUB every 49 months also.)
Agree with trying to fly under the UR SUB radar, agree with preserving existing CPC/JPM relationships and UR balances (personal and biz), violently agree that since the demise of the low hanging fruit of MS (Vanilla reloads, Target Redcard) the juice isn’t worth the squeeze anymore. (Fortunately, estimated tax payments provide all the MS I can use.)
My plan going forward is 3 Inks/SUBs per year, 1 of each flavor (Preferred, Cash, Unlimited) keeping each account open for 12.5 – 13 months, applying 30-60 days after account closure, never having 2 of the same flavor open at the same time. I believe that’s judiciously aggressive and hopefully will not garner much (extra) attention from Chase. Granted that's not as aggressive as others, presumably it's less risky.
(Oh yeah, a Sapphire Reserve or Preferred SUB every 49 months also.
)I'm actually considering using quarterly estimated taxes as the only spend on the cards as well. If I do a new card every 6 months I'll be close to the 24 month language if they ever enforce it. I'm currently still earning faster than I can burn them so not too worried about greater velocity.
Mar 24, 2024, 10:12 am
#809
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: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,061