topic Re: Chase business cards which one to ditch? in Business Credit

Chase business cards which one to ditch?

red259 — Wed, 14 Apr 2021 17:41:06 GMT

I have three chase business cards the ink preferred, cash plus and ink unlimited. I am thinking about getting rid of some as I get ready for more chase apps. Right now I use the ink preferred as my card to transfer points. However, I am planning on applying for the CSP so it may make sense to ditch the Ink preferred or maybe just PC it to an unlimited in case I want to reupgrade to it in the future, because I have heard chase has made getting business cards much more difficult. Not sure if that would apply to me given my business has a several year credit card record with them. The ink cash with the 5x categories and no AF is probably my most used card of the three so that is safe. I also have the ink unlimited that I got like a year ago. I got it for the SUB. I think this is the most likely candidate to get rid of, because I already have the freedom unlimited as a personal card and I have an amex business plus that gives me 2x pts on all my spend so I don't see a whole lot of scenarios where I would be using the chase ink unlimited card. Anything I am missing in my analysis?

Re: Chase business cards which one to ditch?

SouthJamaica — Thu, 15 Apr 2021 14:58:12 GMT

@red259 wrote:
I have three chase business cards the ink preferred, cash plus and ink unlimited. I am thinking about getting rid of some as I get ready for more chase apps. Right now I use the ink preferred as my card to transfer points. However, I am planning on applying for the CSP so it may make sense to ditch the Ink preferred or maybe just PC it to an unlimited in case I want to reupgrade to it in the future, because I have heard chase has made getting business cards much more difficult. Not sure if that would apply to me given my business has a several year credit card record with them. The ink cash with the 5x categories and no AF is probably my most used card of the three so that is safe. I also have the ink unlimited that I got like a year ago. I got it for the SUB. I think this is the most likely candidate to get rid of, because I already have the freedom unlimited as a personal card and I have an amex business plus that gives me 2x pts on all my spend so I don't see a whole lot of scenarios where I would be using the chase ink unlimited card. Anything I am missing in my analysis?

I'm no expert, but from what I've read Chase doesn't mind your having a lot of Chase cards.

Hopefully one of the Chase experts will chime in

Re: Chase business cards which one to ditch?

red259 — Thu, 15 Apr 2021 21:53:26 GMT

@SouthJamaica wrote:
@red259 wrote:
I have three chase business cards the ink preferred, cash plus and ink unlimited. I am thinking about getting rid of some as I get ready for more chase apps. Right now I use the ink preferred as my card to transfer points. However, I am planning on applying for the CSP so it may make sense to ditch the Ink preferred or maybe just PC it to an unlimited in case I want to reupgrade to it in the future, because I have heard chase has made getting business cards much more difficult. Not sure if that would apply to me given my business has a several year credit card record with them. The ink cash with the 5x categories and no AF is probably my most used card of the three so that is safe. I also have the ink unlimited that I got like a year ago. I got it for the SUB. I think this is the most likely candidate to get rid of, because I already have the freedom unlimited as a personal card and I have an amex business plus that gives me 2x pts on all my spend so I don't see a whole lot of scenarios where I would be using the chase ink unlimited card. Anything I am missing in my analysis?
I'm no expert, but from what I've read Chase doesn't mind your having a lot of Chase cards.

Hopefully one of the Chase experts will chime in

True, although I was thinking it might be odd to apply for another ink card when I have three (one of each type) if I have to call in and speak to somebody.

Re: Chase business cards which one to ditch?

FinStar — Fri, 16 Apr 2021 02:47:05 GMT

@red259 wrote:
@SouthJamaica wrote:
@red259 wrote:
I have three chase business cards the ink preferred, cash plus and ink unlimited. I am thinking about getting rid of some as I get ready for more chase apps. Right now I use the ink preferred as my card to transfer points. However, I am planning on applying for the CSP so it may make sense to ditch the Ink preferred or maybe just PC it to an unlimited in case I want to reupgrade to it in the future, because I have heard chase has made getting business cards much more difficult. Not sure if that would apply to me given my business has a several year credit card record with them. The ink cash with the 5x categories and no AF is probably my most used card of the three so that is safe. I also have the ink unlimited that I got like a year ago. I got it for the SUB. I think this is the most likely candidate to get rid of, because I already have the freedom unlimited as a personal card and I have an amex business plus that gives me 2x pts on all my spend so I don't see a whole lot of scenarios where I would be using the chase ink unlimited card. Anything I am missing in my analysis?
I'm no expert, but from what I've read Chase doesn't mind your having a lot of Chase cards.

Hopefully one of the Chase experts will chime in

True, although I was thinking it might be odd to apply for another ink card when I have three (one of each type) if I have to call in and speak to somebody.

Are your Chase business cards under different or separate EINs or LLCs?

Re: Chase business cards which one to ditch?

red259 — Tue, 20 Apr 2021 02:59:23 GMT

@FinStar wrote:
@red259 wrote:
@SouthJamaica wrote:
@red259 wrote:
I have three chase business cards the ink preferred, cash plus and ink unlimited. I am thinking about getting rid of some as I get ready for more chase apps. Right now I use the ink preferred as my card to transfer points. However, I am planning on applying for the CSP so it may make sense to ditch the Ink preferred or maybe just PC it to an unlimited in case I want to reupgrade to it in the future, because I have heard chase has made getting business cards much more difficult. Not sure if that would apply to me given my business has a several year credit card record with them. The ink cash with the 5x categories and no AF is probably my most used card of the three so that is safe. I also have the ink unlimited that I got like a year ago. I got it for the SUB. I think this is the most likely candidate to get rid of, because I already have the freedom unlimited as a personal card and I have an amex business plus that gives me 2x pts on all my spend so I don't see a whole lot of scenarios where I would be using the chase ink unlimited card. Anything I am missing in my analysis?
I'm no expert, but from what I've read Chase doesn't mind your having a lot of Chase cards.

Hopefully one of the Chase experts will chime in

True, although I was thinking it might be odd to apply for another ink card when I have three (one of each type) if I have to call in and speak to somebody.
Are your Chase business cards under different or separate EINs or LLCs?

No its a sole prop all same legitimate and estsablished business under same social

Re: Chase business cards which one to ditch?

Anonymous — Tue, 20 Apr 2021 16:30:49 GMT

@SouthJamaica wrote:
@red259 wrote:
I have three chase business cards the ink preferred, cash plus and ink unlimited. I am thinking about getting rid of some as I get ready for more chase apps. Right now I use the ink preferred as my card to transfer points. However, I am planning on applying for the CSP so it may make sense to ditch the Ink preferred or maybe just PC it to an unlimited in case I want to reupgrade to it in the future, because I have heard chase has made getting business cards much more difficult. Not sure if that would apply to me given my business has a several year credit card record with them. The ink cash with the 5x categories and no AF is probably my most used card of the three so that is safe. I also have the ink unlimited that I got like a year ago. I got it for the SUB. I think this is the most likely candidate to get rid of, because I already have the freedom unlimited as a personal card and I have an amex business plus that gives me 2x pts on all my spend so I don't see a whole lot of scenarios where I would be using the chase ink unlimited card. Anything I am missing in my analysis?
I'm no expert, but from what I've read Chase doesn't mind your having a lot of Chase cards.

Hopefully one of the Chase experts will chime in

Not an expert, but I'm guessing with a small caveat that you're running considerable spend through them all. lol

I think the biggest hurdle for some in acquiring several Chase cards is the whole 5/24 rule.

Re: Chase business cards which one to ditch?

red259 — Tue, 20 Apr 2021 19:04:22 GMT

@Anonymous wrote:
@SouthJamaica wrote:
@red259 wrote:
I have three chase business cards the ink preferred, cash plus and ink unlimited. I am thinking about getting rid of some as I get ready for more chase apps. Right now I use the ink preferred as my card to transfer points. However, I am planning on applying for the CSP so it may make sense to ditch the Ink preferred or maybe just PC it to an unlimited in case I want to reupgrade to it in the future, because I have heard chase has made getting business cards much more difficult. Not sure if that would apply to me given my business has a several year credit card record with them. The ink cash with the 5x categories and no AF is probably my most used card of the three so that is safe. I also have the ink unlimited that I got like a year ago. I got it for the SUB. I think this is the most likely candidate to get rid of, because I already have the freedom unlimited as a personal card and I have an amex business plus that gives me 2x pts on all my spend so I don't see a whole lot of scenarios where I would be using the chase ink unlimited card. Anything I am missing in my analysis?
I'm no expert, but from what I've read Chase doesn't mind your having a lot of Chase cards.

Hopefully one of the Chase experts will chime in

Not an expert, but I'm guessing with a small caveat that you're running considerable spend through them all. lol
I think the biggest hurdle for some in acquiring several Chase cards is the whole 5/24 rule.

Yea I am at 3/24 I think and am just waiting to pass the 48 month mark since gettting a sapphire signup bonus. I'm still working on my spend for an amex card, so I don't mind waiting until May to pull the trigger on the CSP.