topic I burned Chase in 2022. What should I do? in Business Credit

I burned Chase in 2022. What should I do?

E36 — Fri, 20 Feb 2026 00:44:15 GMT

Hi everyone, my Chase Business Ink Unlimited charged off in 2023.

I settled with Chase. I paid $7586 for $15,170 debt.

I looked at the chart, did that affect my Business Credit in a negative way?

I don't have a DUNS number. Should I apply for one? Have I been missing out or have they reporting my activity to a DUNS number I don't know about? Is my business credit profile scarred for life?

I am in the procces of rebuilding.

I was approved for Amex Business Prime last year (Jan 2025) for $7K SL. I CLI'd it to $14K last month (January 2026.)

I'm honestly just okay with this one card, but I like having a non-Amex alternative for the places that don't accept Amex.

What are my options? Is going back to Chase even an option? I still have the same LLC and EIN.

What are better alternatives? Wells Fargo? US Bank? Capital One?

I would like a card where I don't have to move my business checking to them.

Re: I burned Chase in 2022. What should I do?

JimmiS — Fri, 20 Feb 2026 00:58:03 GMT

You'll have to wait another three years for Chase to reset you. AMEX won't do business with me and the chargoff was in 2011! Yet it's been so long they can't take a payoff either.

Re: I burned Chase in 2022. What should I do?

E36 — Fri, 20 Feb 2026 01:54:28 GMT

Is that just for business or business and personal?

Re: I burned Chase in 2022. What should I do?

pizzadude — Fri, 20 Feb 2026 04:35:46 GMT

@E36 wrote:

What are better alternatives? Wells Fargo? US Bank? Capital One?

I would like a card where I don't have to move my business checking to them.

None of the banks you've listed require you to have biz checking in order to open a biz credit card.

Chase is the same way, they don't require this either.

Re: I burned Chase in 2022. What should I do?

E36 — Fri, 20 Feb 2026 07:00:17 GMT

@pizzadude wrote:
@E36 wrote:

What are better alternatives? Wells Fargo? US Bank? Capital One?

I would like a card where I don't have to move my business checking to them.
None of the banks you've listed require you to have biz checking in order to open a biz credit card.

Chase is the same way, they don't require this either.

Good to know. I know Chase doesn't require it but the posts I read about Wells Fargo and US Bank say they like banking relationships so they open accounts. I've never had their cards before.

Re: I burned Chase in 2022. What should I do?

JoeRockhead — Fri, 20 Feb 2026 15:05:57 GMT

@E36 wrote:
Hi everyone, my Chase Business Ink Unlimited charged off in 2023.
I settled with Chase. I paid $7586 for $15,170 debt.

I looked at the chart, did that affect my Business Credit in a negative way?

I don't have a DUNS number. Should I apply for one? Have I been missing out or have they reporting my activity to a DUNS number I don't know about? Is my business credit profile scarred for life?

I am in the procces of rebuilding.
I was approved for Amex Business Prime last year (Jan 2025) for $7K SL. I CLI'd it to $14K last month (January 2026.)

I'm honestly just okay with this one card, but I like having a non-Amex alternative for the places that don't accept Amex.

What are my options? Is going back to Chase even an option? I still have the same LLC and EIN.

What are better alternatives? Wells Fargo? US Bank? Capital One?

I would like a card where I don't have to move my business checking to them.

Chase will let you back in... eventually. As far as business credit and reporting goes and do you need a DUNS number? The short answer is no. The only bureau that uses DUNS is Dun & Bradstreet, and... this is just my opinion (and experience) but no lender is pulling a D&B report on small businesses.

The majority of the major lenders are going to require a personal guarantee which means they're going to pull your personal credit. Lenders like Amex and Chase are likely to also pull your Experian Business report... but your personal reports are going to be the thing that primarily helps, or hurts you.

I can't speak for BoA, or USB other than from my personal experience, but they've been "OK" with me as far as limits and such not having other accounts with them. For the overwhelming majority of people, Chase doesn't care if you have other accounts with them. There's at least one member here who banked with Chase for years etc... and would tell you he can't seem to get an Ink Card if he stood on his head. I. and many others have no banking relationship with them, and for me at least, they've been extremely generous with approvals, auto CLIs and overall limits.

The others you mention offer good alternatives, but I'd caution you against any Capital One Business card other than the Spark Cash Plus Business (charge card) and The Venture X Business, also a charge card. ALL other C1 Business cards report to your personal reports (all other mentioned also will if you default ).

Re: I burned Chase in 2022. What should I do?

E36 — Fri, 20 Feb 2026 17:04:40 GMT

@JoeRockhead wrote:
@E36 wrote:
Hi everyone, my Chase Business Ink Unlimited charged off in 2023.
I settled with Chase. I paid $7586 for $15,170 debt.

I looked at the chart, did that affect my Business Credit in a negative way?

I don't have a DUNS number. Should I apply for one? Have I been missing out or have they reporting my activity to a DUNS number I don't know about? Is my business credit profile scarred for life?

I am in the procces of rebuilding.
I was approved for Amex Business Prime last year (Jan 2025) for $7K SL. I CLI'd it to $14K last month (January 2026.)

I'm honestly just okay with this one card, but I like having a non-Amex alternative for the places that don't accept Amex.

What are my options? Is going back to Chase even an option? I still have the same LLC and EIN.

What are better alternatives? Wells Fargo? US Bank? Capital One?

I would like a card where I don't have to move my business checking to them.
Chase will let you back in... eventually. As far as business credit and reporting goes and do you need a DUNS number? The short answer is no. The only bureau that uses DUNS is Dun & Bradstreet, and... this is just my opinion (and experience) but no lender is pulling a D&B report on small businesses.

The majority of the major lenders are going to require a personal guarantee which means they're going to pull your personal credit. Lenders like Amex and Chase are likely to also pull your Experian Business report... but your personal reports are going to be the thing that primarily helps, or hurts you.

I can't speak for BoA, or USB other than from my personal experience, but they've been "OK" with me as far as limits and such not having other accounts with them. For the overwhelming majority of people, Chase doesn't care if you have other accounts with them. There's at least one member here who banked with Chase for years etc... and would tell you he can't seem to get an Ink Card if he stood on his head. I. and many others have no banking relationship with them, and for me at least, they've been extremely generous with approvals, auto CLIs and overall limits.

The others you mention offer good alternatives, but I'd caution you against any Capital One Business card other than the Spark Cash Plus Business (charge card) and The Venture X Business, also a charge card. ALL other C1 Business cards report to your personal reports (all other mentioned also will if you default ).

Thank you for all the information!

Will stay away from Capital 1 business.

fun fact. One of my earliest credit cards was a WaMu Platinum which was offered since I had a Washington Mutual account. That converted to Chase in 2009. My second Chase CC account was Chase Business Ink unlimited with SL $13,000 in 2017.

im still bummed I burned them. I actually charged off my personal chase card with only $2K. Once that charged off they closed my business card. Instead of paying it, I let the business card go to collections. Looking back, I should've kept both in good standing.

Capital One and Synchrony let me back in.

Citi did not let me back in but my Citi trade lines (Best Buy and Double Cash) was removed from my report.

Re: I burned Chase in 2022. What should I do?

BankDealer — Mon, 23 Mar 2026 14:02:07 GMT

You can try for the Synchrony Sam's Business card. I have a DUNS number but nobody reports for it. They only place that has asked for it is Google Ads for some reason. If I recall correctly, Amex or Chase asked for it for my first biz card application back in 2024 but I haven't seen it ever since them. Getting a DUNS = getting calls from Marketing trying to sell you on whatever they sell, I have not ever understood the value proposition. Based on what I have read back in the day (pre widespread adoption of the internet) they were relevant, today not so much.