Offered by: Chase
| Purchase Intro Rate | 0% |
| Purchase Intro Period | 6 months |
| Balance Transfer Intro Rate | 0% |
| Balance Transfer Intro Period | 6 months |
| Regular APR | As Low As 11.24% Variable |
| Balance Transfer Rate | As Low As 11.24% Variable |
| Cash Advance Rate | As Low As 11.24% Variable |
| Annual Fee | None |
| Late Fee | See terms |
| Cash Advance Fee | See terms |
| Balance Transfer Fee | 3% |
Ink CashSM Business Card features:
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Would love something like this, except I do not own a business. Attractive card design as well!
visible 7 months ago
You can say you are a sole-proprietor business and use your SSN as the Business Tax ID
vankumar 7 months ago
The average credit score for approval is not showing. Where would I find this.
vmelton 6 months ago
There is no average credit score for approval because nobody has been approved for this card yet that Karma has kept track of. I applied on Jan 18, 2010. At the time Chase (or First USA) pulled my credit, my score was 754 Experian, my DTI ratio was less than 12%, with 4 years perfect credit history. I was just denied Feb 5, 2010. This is the reason as noted in this letter they mailed me:
YOU HAVE HAD A LOAN OR CREDIT CARD WITHIN THE PAST 24 MONTHS.
A RECENT INQUIRY. (My last inquiry was 9 months ago.)
So I have concluded that Chase Business is not in the business of lending right now. So I would recommend nobody apply until the economy improves and Chase starts to advertise their business products more.
cristiandeid 6 months ago
Apparently, from reading around the 'net, Chase is inquiry phobic and then utilization phobic. They give people automatic denials if their computers see more than 3 inquiries. The last time I applied for a Chase card before the Ink was last summer, and when I called for recon the underwriter woman wouldn't reconsider any of my information, she was stuck on how many inquiries I had -- the majority of which were gained over 12 months before. She didn't even consider when I explained which Experian inquiries were for setting up checking/savings accounts, NOT credit card/LOC loans. I assumed at that point they didn't want my business. Fast forward to last month, everyone keeps talking about Chase Ink, and I want to apply before the CARD Act. Reasons for Denial? Too many balances close to credit limit (one - balance transfer)(my utilization was at 33%, though); too many inquiries. Get this: my financial situation was substantially better than when I applied last summer.
For me, Chase is now in the 'wasted inquiry' section along with Bank of America and American Express (those two will never see an application from me even when my Experian inquiries fall off). The only bank that's been good to me (knock on wood) and good to my business (knock on wood twice) is Citi. Citi gave my business a chance with a $5500 line, and me personally a chance with a $4000 line. Those are 'toy' lines to many seasoned credit card collectors. They aren't to me. Thank you, Citi.
Chase can sit and spin. I only use the cards I do have with them for small monthly purchases to keep the card active -- no interest from me.
annoneil01 6 months ago
"Fast forward to last month, everyone keeps talking about Chase Ink, and I want to apply before the CARD Act."
Keep in mind that the CARD Act protections, etc. do not cover Business Credit Cards AFAIK.
yoshi64 4 months ago
I have a 709 credit score and was denied...
owenstarr 6 months ago
709 Transunion score according to Credit Karma? or 709 Experian score, since Chase (in most areas of the country) goes by Experian, NOT Transunion.
annoneil01 6 months ago
Pay on time every time and then pay off your balance and they lower your limit.
gburnore 5 months ago
Have an excellent credit score also but for some reason have been denied also 5/06/2010.
I guess they do not want to lend at the moment. I have never been denied a card before.
mjaverto 3 months ago
Denied early this year because of too many credit cards with Chase (2)
tjguitar85 3 months ago
WOW! Thank you for the notes. I consider myself lucky. I was researching for a while and just came across this to see if it may be worth it (received a thing in the mail about it). It turns out because of all of this info I won't be applying for this card. I'd rather save myself a hard inquiry. THANK YOU ALL!!!
aggiesoft 3 weeks ago
Would NEVER use Chase. They are one of the "preditory" lenders that we've heard so much about.
mrb 17 hours ago