Just wanted to share my experience.
-Have had a Chase Freedom for 7 or 8 years.
Apped and received Chase Sapphire back in July of this year. Initial CL was (and still is) $5000.
Apped for a CL for Chase Freedom at the same time; went from $1500 to $7500.
I have a small (very small) photogrpahy business. I want to keep things separate. I apped today. I got a "pending review" because I have a paid tax lien that EQ does not show as paid. Chase was awesome, let me fax them proof, and then I couldn't get through to their fax!!! When I caled back, I spoke to "John" who said "Let me look again and see what I can do." He noted that it hadn't reported since 2009 and approved me for Chase Ink Cash for $5000.
-I used TOTAL household income.
-I was asked how long I had been taking pictures. They considered my experience level over business length.
-I am about 19% util-I have one late and that's it.
-They pulled EQ, which is 701 via myFico
I hope this helps. Chase is the BEST on recon that I have ever seen. It always pays to call. It took three calls for me, but was worth it.
Also of note, EQ was not so nice when I called. They said that whether I faxed proof or not they would still have to verify and it would still be subject to a 30 day wait. THEN they tried to sell me their credit score services and informed me that my myFico score was inaccurate. Sigh.
Awesome! Good move, nice card to have. More points and a separate card for business use. I agree, Chase has been a pleasure to deal with in the past.