I've owned my own business for 3 years with 3 tax returns. I applied for my first Business card 9 months ago with a $5,000.00 approval. NO BUSINESS CREDIT. Maxing that card out twice a month and paying it off twice a month they raised me too $13,000.00 without asking. I received this application in the mail and applied. I received a $20,000.00 credit line WHAT! Thank you "Ink Business Cash"
I've had my Chase Visa card for my business for over 7 years now and have ran into the problem several times where they don't allow enough time for you to receieve the statement and submit the payment. They allow 3 weeks and 3 days from the closing date until the payment is due. That doesn't include any time for the statement to be printed, stuffed in an envelope, and mailed and for you to receive it. If you travel any for business or are just busy running your business and you don't jump on it as soon as you receive the statement, then it's due before you know it. I was told that their business accounts have 3 or 4 fewer days in the period than their personal cards, for whatever reason. The straw that's breaking the camels back now is that they cancelled one of my cards because of fraudulent activity and I wasn't able to log into their website to submit payment on a Friday. Monday was July 4th and I called the next day to see why I couldn't get into the website and was told they were open on the holiday and I should have called yesterday... and even though I was just 1 day late and there was an issue with my account on Friday, there wasn't anything they could do about the late fee. So I'm on here looking for a new business credti card!
Same as the review on Jun 8th, I have a decently established business (11yrs), but, not a ton of active tradelines or revolving business credit. My personal credit is good (not excellent - mid-high 700s) and I applied for this card. Chase gave me the "we need more time to review" line, so I assumed they were going to send me a letter telling me why they couldn't approve me. One business day later I noticed in my Chase business account that I had a business credit card listed with a $30k credit limit, so, I guess I was approved. I haven't had it for very long, but I have a number of other personal cards, mortgages and checking/savings accounts with Chase and I've been very happy with them. I trust my experience with this card will be very similar, if not better. I also needed to add a Employee Card for someone I employ in Canada, but the portal didn't seem to allow for it. I called Chase and they gave me a workaround, very appreciative of their quick help!
Seasoned business owner. Established business profile. Great business credit score and great personal credit scores. Applied for card it came back they needed more time to review. 1 week later card came with 45k credit limit. I use it daily. Like this card. Would recommend.
Applied and denied, because of their fraud back in de housing market crash in 2008 got behind in some payments, if you went threw something similar do not apply, or all your going to get is a big fat hard inquiry, it feels like they punched me back in 2008 and now they insult me!
I have almost perfect credit, and they gave me a very small credit limit, and when I asked for an increase to use it on business purchases, I was declined. I have never been late on a payment, nor have I owned a balance. Not impressed with chase ink.
Great signing bonus not great on reward %. Generous credit limit
I’ve had this card for a couple years always paying it on time and I never get a credit limit increase.
My score is 825 and was turned down. Maybe because I have had Chase before and always paid off full balance and never paid one cent in interest. They don't like when you beat them at their own game and keep bonus money that they use as bait to lure you into paying obscene interest. Reason for denial- "too many recent credit card applications" Really? How many and who did I apply with? They won't tell you. With 825 I should be able to apply as much as I want.
I was approved for 7,000 on this card and put over 2500 on it. You'll continuously get emails and notifications within their website to invite friends for points. The emails have faulty links that bring you nowhere. So I contact customer service who tells me I dont qualify for that. HUH? Had an issue paying with points and was charged a late fee because of it. Called customer service and was told that I COULD pay with points and that the system just had to "catch up." Sure enough next month showed a late fee. Called back and was told you could NOT pay with points therefore I had not paid enough and that's why I was charged a late fee. I decided I had had enough of this terrible service and transferred my balance to a more deserving company. Chase then retaliates and lowers my credit limit to 500! Haha! That's quite a difference from 7,000. SO...of course I called customer service to find out WHY. I was told they re-check credit from time to time and that was the factor in their decision. I informed them that my credit was a LOT better now than it had been when they initally approved me and also there had been NO inquiry on my credit report from them. She had no answer for me and said she would call me back. Do you think they called me back? NOPE! See ya CHASE, you STINK! I own a barber shop and am sure to tell everyone I can about this horrendous experience, back at ya.
I'm a sole proprietor and this was my first business card. I got a hard pull on my personal credit, but no positive effect on personal credit nor business credit
Actuaaly applied for new 'Buss Unlimited' Ink card on Chase website in Sept and got a $15k CL to start. Vantage TU - 756, and EQ - 691 (and no, I have no idea why scores are so different. Neither does CK). FICOs were all 773 or higher. Spent $9k and got $650 cash reward. Very responsive cust service!
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