Chase business credit card reddit. down for too many applications.
Chase business credit card reddit Thought I'd give back by sharing a data point on instant approval for the Chase business unlimited card. My personal credit is around 690 fico score, and business have a B Experian score according to NAV, no pay Paydex score yet but I just started using Net 30 from Uline. Unofficial, community ran subreddit to discuss Chase Bank, its affiliates, and subsidiaries Today my Chase Business Relationship manager told me I could transfer the 2-2. SUB recd in Aug'22. com" or "site:myfico. If you want it, I think it's worth taking a shot. Wherever you travel you will always know what is going on with your account – quickly and easily. I am nearly done with their SUB requirement and want to apply for another Chase business credit card for United. The application page said I'd get a decision letter in 7-10 business, however the confirmation email received while applying said in 30 days. You need a new personal card. Is it safe to apply for it or should I wait? The only thing is I have a tuition coming up which I can put toward the CIU. EDIT: Approved for Chase Ink Business Unlimited. Business expenses can be literally anything and chase isn’t going to devote hours trying to tell business from personal. A subreddit for discussing credit cards. So you could have 4 personal cards and 3 business cards and still have one open 5/24 slot. If it's not there, Chase will want to "chat with you in person" about your business. You earn a 10% Business Relationship Bonus, in addition to $750 bonus cash back like Chase Ink Unlimited. Have a marketing and comms business, no current credit cards. Our American Express card has a $250 annual fee. So. But realize it would make accounting easier if I got a business card. Definitely want a low or zero annual fee. I have been banking with Chase for about 3 years now, starting with a checking account to now holding 4 of their credit cards (CFU, CFF, Prime Visa, and now the CIU). When you apply for a business credit card, you are allowed to list personal income in the income field, and you can use your own name as the business name if you are a sole proprietor. Tried to avoid calling, but mistakes were made and I ended up having to speak with biz verification rep. P2 was approved for Chase ink business unlimited card with a 5k limit. Use most of the point for travel, hotels, and rental cars. My criteria are this: business card, low/ no annual fee, less than 8k spend in 3 months, decent multipliers, can be hotel, bank, or airline card - any other recs? The options are the Citi AAdvantage Business or Chase Ink. Chase credit card application says 'In Review' Help Needed A few days ago I applied for the Chase IHG premier card as I have a few larger purchases coming up so I wanted to hit the SUB and I also plan to travel quite a bit and thankfully most of my places have a IHG property near by. Looking for a business credit card. Consider applying for personal business credit cards as a sole proprietor. I mined for January and February before I sold my GPU's, and just reported $500 in business revenue. Some months I might spend $300 and others $20,000. 5% on everything else) Amazon Prime Rewards (5% at Amazon/Whole Foods, but no 0% intro APR offer, also easier to qualify for than "core" Chase credit cards) I’m wondering if for the sole purpose of the welcome offer if the business preferred is the route to go as I would get 100,000 chase points instead of 75,000 with the business unlimited - if I can hit the spending requirement of 8,000 in 3 months. I’m just some reddit rando with 9 cards (3 of which I’ve opened over the last 9 months), no interest-bearing credit debt, over $100k worth of credit lines, and a credit score that hovers in the 780-800 range. They are literally telling you this is insufficient to justify the issuance of another business credit card. It will still do a hard pull though. io/ Whether you're a new resident with questions about credit cards and cashless payment options, a long-term resident curious about pensions and life insurance, or a digital nomad wanting to talk crypto gains and tax treaties, this is the sub where you'll find informed discussion, friendly advice, and high-quality answers with links to reputable sources. Which Ink card would suit me? My main purchases would be camera gear, purchasing or even renting said gear. The main draw of the Southwest card is to get the Southwest personal card + business card (typically in November/December), and the sign up bonus on both cards combined is usually enough points to get a companion pass which means someone can fly free with you on your flights for at least a year, almost two years if you time it right. If you have both a Chase business and a Chase personal card and only one is showing up in Personal Capital, you need to link them. Here’s my history: Currently at 4/24 Recent card opening was Dec/2021 Amex Gold which take up my 4/24 slot Then in March 28,2022 open a CIC I wanted to open a CIU. Edit: Forgot Amex business plat for travel. I'm currently at 3/24: CSP/CFF - 03/23 PENFED Pathfinder - 04/23 800's Fico Scores, 92k income, oldest account 15+ years Ink cards tend to take longer. Anyone can apply for a business card as a sole proprietor. Not sure if this was a follow-up to approving my new business cards or just a broader adjustment (i. They do require that you are under 5/24 to be approved, except for the Marriott Business. In last week of Jan 2023, I got Chase Ink Business Cash. Downgraded to Chase Ink Cash in Feb'22 Chase Ink Cash - Recd as product change card from the CIP above in Feb'22, so less than 12 months after product change. The only business cards that count towards 5/24 are those that report as accounts (NOT just the hard pulls associated with account opening) to ones' personal credit. Current Chase Cards: Freedom Unlimited (10/6/2020); Sapphire Preferred (opened 2/20/22); Ink Business Cash (10/19/2022); Freedom Flex (12/8/22) Applied today 2/23/23 and was denied for having too may applications in 12 months and too many recent applications. - I know CIP has a 24 month rule from the time we got the last SUB, is there a similar rule for CIU, CIC too? Jul 15, 2024 · While Chase offers a robust portfolio of consumer credit cards, the issuer also has a suite of business cards tailored to different companies and expenses. Look at your bank statements and current credit card statements to find your natural spending categories. If you've gotten any Chase card in the last 30 days. You have a 3 year old business that generates $2700 per year, probably no business deposit relationship to speak of, and another Chase business card. Chase business trifecta. Chase Business switched a new credit scoring model in March (I linked to it then) and their basis is FICO Bankcard Score 2 for their Business credit applications, which has nothing to do with how Chase scores personal credit applications (I bank with Chase Business, and hold multiple Ink cards as well - I actually reviewed my Chase Business A subreddit for discussing credit cards. In 2021 and 2022 I filed as a sole proprietorship with the IRS, so in case anyone actually looked, I legitimately can claim I was a business. Through my research online on applying for a business account I realize it is very hit or miss whether your business will be accepted. If you care to read the full story behind this call, here's the link to my previous post. Amazon Business Prime by American Express CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. I just got approved for the baseline 5k on the Business ink preferred after waiting about 2 business days for a decision. Chase also issues co-branded business cards for United Airlines (2 different biz cards), Southwest Airlines (2 different biz cards), Hyatt and IHG. Wiki at: https://japanfinance. I've had this card for nearly 10 years and was looking at the Chase Ink Business Premiere which is a 2% plus 2. My current cards 5% cash back on The “business” part refers to the fact that it is a credit card specifically for businesses, and you must be a business to apply for and receive it. 5% cashback spread for all categories (while Ink Cash focuses heavily on certain expense categories) I got myself 4 Chase Ink Business Cash The business has 1 year worth of tax records but never taken credit cards out in the business name. frequent my Chase applications are, would applying for the Ink Business Cash/Unlimited come September be a poor choice? Chase business credit cards won't show up in personal report (unless you default the card), so it won't affect your 5/24 status. It's easy to pick Chase Ink Cash Credit Card since if you have a Chase Business Banking account. Btw, the 50% income to Chase credit limit is a soft rule. Trying to find one maybe with cash back or good points for this lower spending bracket. Chase ironically is the best general personal card issuer IMO, lots of their cards have long-term staying power. I cost me 83,000 points. I've heard of several data points suggesting that Chase has relaxed 5/24 for Ink card approvals -- one of the staff at Frequent Miler and a few credit card youtubers all got approved while over 5/24 in the last 2 months. Don't fall for the marketing end of credit cards. Yes, best hotel program out there. After filling out the information on the application and hitting submit, it tells me that "IN REVIEW: We'll let you know our decision in writing as soon as we can, and if you're approved, you'll receive your card in 7 to 10 business days. You would be applying as a sole-prop using your name as the business and SSN. You need to be under 5/24 when signing up, but after that they don’t count against it. Plan your budget. Oct 25, 2024 · It is hard to get a Chase business credit card because you need a good or excellent credit score of 700 or higher to qualify. down for too many applications. On Amazon's credit cards page, there's 3 cards that offer 5% cashback (all requiring Prime for 5%, otherwise 3%): Amazon Prime Rewards Visa Signature Card by Chase. Never offered the card number and stuff from Chase before receiving the physical card, so not sure if it’s even an option for Chase. I was nervous given my current credit score but I was way under the 5/24 rule and my utilization on my open cards are 30% or lower. Business for 2 years Sole prop in my name Income at $40,000 Expenses at $2,000 Credit score is 733 A subreddit for discussing credit cards. 4th night is free when I use my points. Track your spending and view your account activity. If you have a "business" credit card and it says your company name AND your name it's not a business card that reports. I just run a small business with low expenses (>$25k/yr would be on the card). The Chase ecosystem works for a lot of people, especially people who also bank with Chase, but it's not for everyone. As I view it, these cards are complements rather than substitutes, given that only one card has an annual fee, and they each have different strengths. You could get either CSF/CSR or Chase Ink Preferred Business (CIPB) credit cards for your travel transfer credit card and then CICB and CIUB Hi, I’m looking to apply for a chase checking account to help my odds of getting the Chase ink card and all the other business cards down the road. We’ll review your Ink Cash Business Credit card application and be in touch soon. Less than 7% of credit card companies report to the biz credit bureaus. Jul 15, 2024 · While Chase offers a robust portfolio of consumer credit cards, the issuer also has a suite of business cards tailored to different companies and expenses. Therefore people recommend getting Chase cards first before going and applying for all the other cards. Congrats on the approval for the card! I just applied today for a Chase Business Ink Unlimited. Link Your Chase Business and Personal Accounts | Helpful Tips | Chase. The bar is set low for Chase business cards. I'm trying to figure out what the best card for Amazon is. Got a Chase Ink Preferred in mid-December. I had a big expense the first month so I had to credit cycle (charge 3k, pay it off, then charge it again). new and 2. Why Chase Business cards? They don't add to 5/24. Chase Ink Business Cash or Ink Business Preferred would be the secondary card for phone, internet and rental car costs. due to macro factors, etc. I'm somewhat new to the credit card points game, and i always hear people talking about opening business cards as you can do being sole proprietor, doesnt report to personal credit, etc. Also expenses like gas, food, and maybe even a hotel if needed for bussiness work. Furthermore, they treat personal and business credit limits as two separate entities- as business credit limits can reach upwards of 20-30k (base on revenue and age of said business). Does amex do a soft pull for business cards as well (if I'm only currently a personal customer)? Put all of my spend on the card (~90% utilization), let the utilization report (won’t affect credit score since it’s a business card), and pay off the statement balance in full. Sometime last week they mailed me a letter with a handwritten “application” of sorts that they wanted me to fill out and fax over to them and it just included some name and address A subreddit for discussing credit cards. Chase offers three Southwest personal credit cards and two Southwest business credit cards. Chase Freedom Flex (5% rotating categories and cell phone protection benefit when you pay your cell phone bill with the card) Chase Freedom Unlimited (3% on dinning, 1. Hi, I'm at 4/24, and I'm gearing up to apply for my next card. This could change in the future, but currently they’re just happy with you swiping their card. I decided to call the application status number and the automated system said 2 weeks. com. 5% back earned the card to my personal Sapphire and use it as points; similar to how you do with the Freedom Unlimited to the Sapphire. Jan 1, 2023 · All Chase INK products are business cards. You also need to meet other requirements, such as having a stable income, being at least 18 years of age, and having an SSN or ITIN. Keep in mind that I had several credit cards with Chase at that point and still have no issues getting new Chase cards. Chase Business recon line is 1-800-453-9719 The Chase Ink is a personally secured business card. I want my next two cards to be business cards but I'm wondering if I should do Amex or chase first. But for amex, I have received the card number, a temporary expiration date and temporary CVC before the card arrives and I can use the card online. Was told I was approved! And that indeed all mailing material will go to my business address and not my personal address. After closing out the application screen tab, I received this email: "We'll review your Chase Ink Business Unlimited credit card application and be in touch soon. I previously had a business checking in good standing then closed it, and kept my 2 business Chase CC’s, which i downgraded from previous ink. Our monthly spend is north of that a bit. Chase (and other issuers but primarily Chase) have cards that are worth keeping but if you only open an Ink every 3 months you'll never get at least Chase's personal cards (IHG, AC, Hyatt, CSP/CSR). The Chase Ink card has no annual fee. There is a 1/30 rule guideline (1 card every 30 days) for the business cards, so you want to wait until you're at least past that. Personal Income 200k. My business recently got approved for a chase ink credit card (2 months ago). Hit the SUB within the month 2. It is the best credit card for expense cash back! If you don't own a business, then go for Chase Ink Unlimited since they have 1. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage I've heard 3k is the standard limit that Chase gives for applicants with no business credit history so not too surprised about that. After signing in, choose the "Profile & Settings" menu in the top right corner. I just got the new Ink Premier card in the mail yesterday. If you’re interested in travel points, go with a business credit card affiliated with your favorite hotel chain or airline if you always use the same one. Amazon. How much I spend fluctuates from month to month. Technically, while the wording on the card page does mention 24 months, in practice if Chase is willing to extend you more credit, you can keep getting sign up bonuses on the Ink cards even if you already have one or have gotten the bonus less than 24 months ago. if you accidentally or "accidentally" try to write off something that was only personal the IRS will very much care if they catch on. Overhead pretty low, with regular but infrequent dining to meet with clients, minimal travel. Jul 26, 2024 · A Chase business card application is very similar to a Chase consumer card application, but there are a few differences. Currently, chase doesn’t seem to care very much. Your new credit card is approved" "Your new Chase Ink Business Unlimited credit card (xxxx) and welcome kit are on the way and should arrive in 3 to 5 business days". Having and using a business credit card has no bearing whatsoever on your tax liability or filing requirements. Then I remembered that business cards don't show up on your personal credit and would allow for me to continue gardening for the VX while still working on a SUB. ) I have the following Chase Business cards. I'd offer doing a web search for your code with a "site:reddit. ” It has been 48 hours now and I haven’t received any follow up notifications and am unable to check the status of my application either as I do not have the application reference number needed to check using the automated status phone number. github. I was confused because I have excellent credit (830+/-) and a long standing with Chase and their credit cards. When my friend goes to my referral link, this is what it shows: Offer not available The offer your are attempting to access is no longer available, you will be redirected to the most current offer. Known as the Ink Business family, these credit cards earn either cash-back rewards or Chase Ultimate Rewards points. This means you actually need to be under 5/24 to be approved . Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. My gf and I both make around 200k, but we don’t spend crazy, don’t have a business where we’re spending a boat load on credit, we don’t buy business class/first class when we fly. The biggest difference is that you'll need to have a business that earns revenue. Then refresh the Chase connection on Personal Capital. So my main business card is AMEX gold and im looking for a Chase card as my second business card. Chase is my favorite credit card issuer but has been the hardest to get approved for for me, I have the Csp, freedom flex, ink cash business and Hyatt business, they get easer to get once your in to the system. My question is because of how 1. Otherwise, you cannot. The business cards are the Premier Business and the Performance Business. 5 points per dollar spent I’ve been seeing a lot of people with solid credit and good standing with Chase get denied for the business preferred for not having sufficient funds in a checking or investment account with Chase. Nov 21, 2024 · (Update 11/21/24: Here’s a link to another take on this from a Reddit poster. No verification was needed and no calls to recon were made. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage Wiki at: https://japanfinance. I want to get the Chase Business Ink Unlimited, but wondering how soon is too soon to apply? My credit score is 810. I plan to apply to the CIC since i'm going to start a business soon and plan to use the card for the business related expenses. Chase Ink card allow a 12 month interest free CC: SO currently have balance CIC - $4k, CL=$10k CIU - $4k, CL=$10k Since these card are interest free for 12 months not sure how a balance on INK biz card impacts the application process for additional business cards? You can get a business credit card even as a sole proprietor with no business revenue yet. I was applying for a Southwest card online and unfortunately I didn't receive an instant approval. Application will always result in a hard pull, usually with Experian and maybe a second bureaus as well. As the title states, I'm looking for recommendations for business cards while I will wait my Chase 5-24 status to open up • Current cards (open): **- [04/17] SYNC/PayPal $5400 [02/20] TDRCS/Samsung $2200 [05/21] SYNC/Venmo $6500 [07/21] Amazon Store Card $2200 [07/21] Chase Amazon Prime $6000 [08/21] BlockFi Visa $5000 That next card approval will always get you more credit. I should easily justify the annual fee for the Chase card. Chase would follow up with some credit limit reductions across my personal cards. I've been considering a Chase business credit card for a while and this platform has been so helpful throughout the process. If you have a legitimate business using a card dedicated for business spending can make filing taxes easier, as all you're deductible transactions are in one Chase took time to reallocate credit from other business cards to my new business card, all before letting me know that I was approved. My question is has anyone really just treated their business card like a personal card and used it for groceries, gas, dining and all the usual personal spend without any repercussions from Chase? I’d estimate 1,000 of the 7,500 dollars of spend might actually be able to be classified as business spend if that. So instead of getting 5 personal Chase cards, you can get 8-9 in the first two years. You'll get a denial unless you haven't gotten ANY (personal or business) Chase cards in the last 30 days. The flowchart prioritizes your 5/24 status and whether you’re focusing on travel rewards or cash back. The first step for me is finding a credit card to use, however, when I try and look up the benefits/drawbacks of cards they all look extremely similar. - Six Senses Hotels Resorts Spas - Regent Hotels & Resorts - InterContinental Hotels & Resorts - Kimpton Hotels & Restaurants - Vignette Collection - Hotel Indigo - Hualuxe Hotels & Resorts - Crowne Plaza Hotels & Resorts - Even Hotels - Voco Hotels - Holiday Inn - Holiday Inn Express - Avid Hotels - Atwell Suites - Staybridge Suites - Holiday Inn Club To add to this it is generally fine to mix expenses on the credit card* you just need to keep them separate for tax purposes. The two current UR business cards have benefits and categories not found on any other Chase UR cards. There are better ones you can easily get approved for If you want to look into another great business credit card that I’ve been vouching for, it’s Divvy business credit card. See when charges and payments are posted. e. com", I know some threads and posts will pop up… To add on what others have said, applying for a Chase business card requires you to be under 5/24, but the card, once approved, doesn’t count toward your 5/24 status Reply reply Top 1% Rank by size UPDATE: Called business ink credit card customer service number. That said, don’t buy crypto, porn, or cannabis-related things with it. Then, in a month or two for the Southwest Business card via chase. Chase Ink Pref - 12/1/2023 Approved Chase Ink Business Cash - 1/8/2024 Approved I am nearly done with both of their SUB requirement and I want to apply for another Chase business credit card for United. Hey there, as many have mentioned above- the 7-10 days update is, in my opinion, often a very good sign. I had my Wife send me a referral (she gets 40k in points). I want to apply for more Ink's now considering the bonus and have the following questions : - Is there any impact of closing business cards? I assume no, but seek thoughts. Doesn’t seem like the perks in the Plat justify the cost… don’t get me wrong, concierge service, lounges, gold status is awesome, but there’s A subreddit for discussing credit cards. But Chase will deny you for an Ink if you’re at 5/24 or above. Answered questions. The card only has an $89 AF and comes with global pass credit. " Some background of me to help: I am a chase customer since 2018 Current cards: - CFU $15,300 Limit, Oct 2019 - CSP $17,300 Limit, March 2023 The best business credit cards offer initial bonuses worth $1,000+, ongoing rewards equal to 5% back or more in some cases, free employee cards and other helpful perks. Hi Everyone, I've been trying to see if this has been answered before but I cant seem to find anything. Only the Ink Premier earns strictly cash back, while the other 3 is cash back/UR points. So if anyone has a similar case not to fear it will go to ur business address !!! Thanks to everyone who helped! Good SUB for Chase business cards. At this time, the only business cards from a major issuer that are known to report as accounts to personal credit are certain (but not all) business cards issued by Capital One. (But only IF you call shortly after and request to have your application expedited by a Chase representative or offer to give additional verification if needed in order to approve/process. As Chase business cards gets harder to approve, I'd like to get as many data points as possible on what triggers denials/approvals for those who applied after April 18, 2020 so that we can all help out the credit card community and those who want to benefit from these cards: If you own a business, get the Chase Ink Business Cash. They are not obligated and it's expensive for them. We use two business credit cards, Chase Ink for our everyday purchases and American Express (Gold) charge card for our shipping charges. r/Amex is the place for American Express cardholders to connect, share tips, and discuss everything related to their premium card benefits. If you are not automatically redirected, click here. Having only one personal card with a $200 means you're likely reporting high utilization each month you use it, which has been negatively affecting your credit score. My business goes through about $400,000 in expenses each year with several purchases being over $5k. Whether you're looking to maximize your rewards, navigate travel perks, or get the most out of exclusive experiences, this subreddit is your go-to resource. It only offers a 1. Definitely worth giving a call. Amex gold, chase business ink, southwest business card (enough to get the companion pass). Overall, for personal credit cards, I am 3/24. I’m looking to apply online first. My last card was the amex platinum and chase ink unlimited on the same day (12/20/21). If you accidentally miss reporting a business expense and pay more taxes the IRS is not going to care. My last Ink app was last February. Listed $0 business income lol (which is the truth). I'm on the search for a list of which Business Credit Cards report to personal credit reports (balances carried). 5% rebate but we have a high credit limit on this card, so we use it for that reason. My guess is that there was some abuse taking place and it was an adjustment by Chase. Unfortunately no mention of APR, or SL, but i'm excited for my first Ink card! Mar 22, 2024 · The Reddit credit card flow chart provides guidance for what cards to open if you’re looking to open a new credit card. 5% on purchases over $5k, with a yearly fee of $195. This is my first card outside of a secured capital one card with a $200 limit. My monthly spend would be $350($4100yr) with some rental car costs added in maybe an extra $1500 a year. I have no business cards at the moment. DoC doesn't look to have a list (or maybe I'm typing the wrong item into search). (Already had the Ink Preferred and Cash) It took over a week and multiple phone calls from me and from Chase to finally get the thing approved. I escalated all the way up the chain at my local branch, who pleaded to the management teams with limited success. Was told to call Chase. ) Anecdotal reports indicate that Chase has tightened up on approving applications for INK business cards, especially since last month (October 2024). my cards: chase freedom, sapphire metal card, amazon visa card, AMEX gold, AMEX blue haven't signed up for a card in the past year, not sure if this info is important but just mentioning Thank you for your time and help. ) I submitted an application for the Chase Business Ink Preferred about 2 weeks ago now online and got an email saying my application was being processed. I bought a business from my employer about 6 months ago (worked there for 25 years). This includes gig workers, for example. SUB recd in Mar'20. In order to be approved for any Chase card subject to 5/24, you cannot have opened five or more personal credit cards across all banks in the last 24 months (more on business cards in a moment). I know that buying in-store from Office Depot/Max, Staples counts towards the 5X UR from Chase Ink Cash Business Credit Card category. A subreddit to discuss all things IHG. Any recommendations on the best credit cards for a small but growing professional services business? Monthly billed expenses approx. I am trying to refer my friend to Chase Ink Business cards, but the referral link is not working. . What I know is the 5/24 rule is an unofficial rule that you can't have more than 5 credit card applications within the last 24 months in order to be approved for a chase chard. You are no more or less likely to face audit for simply having the account. Approved with $50K limit, no inquiries against my credit on Transunion or Equifax. $6k, with major costs include CRM, web hosting, some client travel, etc. I’ve been putting everything on my personal credit card for the points. CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. You can check your credit score for free on WalletHub. I've looked at the following 3 resources, and while very similar, all 3 have differing information: I'm looking to apply for the Chase Ink Business Cash card soon, and I heard that there's a hard 1 card per 30 day rule for business cards. Before I even received my physical card or conducted a single transaction, Chase shut down my entire account. However, im always uncertain as to how fulfill the SUB, lets say for example you tutor online, you qualify as (sole proprietor) but you will never have As I understand, Inks dont count towards 5/24 since theyre business cards and Chase doesnt report business cards to personal credit reports. I used different Chase personal and Ink business cards to get max points based on the purchase , so say 2. Perhaps the fastest way to earn the CP is through Southwest credit card bonuses and spending. As you are 4/24 you could apply for a Chase personal credit card and two Chase business credit cards. Hi there, I have a question about chase business card rule. Citi AAdvantage Business to consider: - 70k points - no annual fee for year 1 - live in AA hub so points are valuable I have been running a small business for a year now and decided this year to officially set up a better financial plan. Thoughts on: Chase Ink Wells Fargo Signify Amex Blue Any others to recommend? Ink Business Credit Cards has everything you need to manage your Credit Card Account online. " A subreddit for discussing credit cards. However Chase Ink is pretty low tier in terms of business credit cards (nothing wrong though, building credit is still good). Ah. The personal cards are the Plus, the Premier, and the Priority. Been thinking of getting a Chase Ink bussiness card for my photography side bussiness I'm thinking of starting. Chase Ink Unlimited - Applied and recd in June'22. com Store Card by Synchrony. Chase Ink Preferred - Applied & recd in Jan'20. Does anybody have experience doing this? Also, how strict do you need to be on business purchases with the card? A subreddit for discussing credit cards. 8/30 - Called the business application status line (1-800-453-9719 for anyone that needs it, it’s different than the personal), got the automated ‘you will be notified in 2 weeks’ message, which I’ve read is pretty much a accepted but they Request: Any data points with $0 revenue and 0 years in business getting approved? If so, which card(s)? I’m looking to apply for the Wyndham Earner Business card specifically. For example, I booked a $1,550 stay in NYC this month . So I decided to apply for the Chase Business Unlimited just for the 90k SUB. Sep 1, 2024 · Let’s start by covering the basics of Chase Ink Business credit cards, including the welcome bonuses, the rewards structure, the perks, and more. Many others (including myself) are above the 50% income to credit limit ratio. I'm currently under the 5 card rule for Chase (2 cards in the past few years), the CFU approved on 1/7/21, and the CSP approved on 3/29/21. She was hoping to use the card to make an upcoming expense of 5300 but assume that the transaction will get declined. After applying online, I was told "Your Application is under review, we will inform you in writing". Can i put personal expenses on it to meet the SUB Yes What are the implications None that are known, unless you have an actual business that you got the card for, and were to try writing off personal charges made on your card as business expenses on your taxes (which isn't a 'card implication', but would be a 'tax fraud implication' if you were to do so). I had to go to a chase branch to get my business card, because they want so much proof of documentation. We'll review your Chase Ink Business Preferred® credit card application and be in touch soon. The kicker is that that don’t count against your 5/24. Pick the cards that maximize the value of your spending. TL;DR - Applied for SW biz credit card. They are offering a sub of 125,000 points and a free night certificate for $3,000 spend within 3 months. Usually do not carry over monthly balance, so interest rate is less important. Reply I have multiple Chase Ink cards most taken for the SUB. “But SimplyX69, I see people talking about getting it all the time!” This is because banks are not strict about what qualifies as a business. pzphyt eseh opsa tvos gkafo htvu sxc ojeiqbe geiif lca