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Approved - Chase Ink - Bigger limit than I expected

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_bobby_lee
New Contributor

Approved - Chase Ink - Bigger limit than I expected

I have two personal card with Chase and was interested in the Ink Business Unlimited for my photography business. Annual revenue is about $25k at this point, and both of my personal cards with them have stingy limits of 4k and 6.5k. I applied 10 days ago and was in limbo over the weekend and was thinking it may be a denail, then got a Congratulations email but with no details. Had to wait another week until the card arrived in the mail this morning! Finally found out I was approved for $11k with 13.24% APR I am really surprised and pleased! My spend is not too high right now so I'm not sure I will make that great SUB of $750 but I'll put all my espenses on this card starting now and hope I get to it!

Cards are shown in chronological order of opening, 2014 - 2022.
US Bank Cash + $8,700
Business Cards:
AMEX Blue Business Cash | $9,000 | July 2021
Wells Fargo Active Cash | $5,500 | Feb 2022
Chase Ink Business Unlimited | $11,000 | Feb 2022

Starting Score: 657
Current Score: 777 TU 780 EQ
Goal Score: 800+


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Message 1 of 20
19 REPLIES 19
Jordan23ww
Valued Contributor

Re: Approved - Chase Ink - Bigger limit than I expected

Congratulations on your approval and nice starting limit! 

      


Message 2 of 20
Anonymous
Not applicable

Re: Approved - Chase Ink - Bigger limit than I expected


Good starting limit and Apr. Chase is looking favorably upon you!
Message 3 of 20
cashorcharge
Community Leader
Super Contributor

Re: Approved - Chase Ink - Bigger limit than I expected

That's terrific!!  Congratulations on your Chase Approval!! 🎉🥂👏

Message 4 of 20
Alephbet
Regular Contributor

Re: Approved - Chase Ink - Bigger limit than I expected

Congratulations!! That's a great starting limit!!

Bold are regularly used for spending
AOD Visa Signature | Curve Card | X1 Credit Card | Target RedCard | Venmo Card
AMEX: Schwab Platinum | 2 x Gold | Green | 2 x Business Platinum | 2 x Business Gold | Blue Business Plus
AMEX: Amazon Business Prime | Delta Reserve | Delta Reserve Business | Marriott Bonvoy Business
Chase: Aeroplan | Amazon Prime | World of Hyatt | World of Hyatt Business | Marriott Bonvoy Boundless
Chase: Ink Business Cash | Ink Business Preferred | Southwest Performance Business
BofA: Alaska Airlines Business | Business Advantage Customized Cash Rewards
Citi AAdvantage Executive | Barclays AAdvantage Aviator Business
U.S. Bank Business Triple Cash Rewards | U.S. Bank Business Platinum | GM Business Card
Apple Card | Navy Federal Flagship Rewards | PenFed Gold | PenFed Platinum Rewards
Capital One Platinum | Capital One QuicksilverOne | FNBO Evergreen Business
Player 2: Delta Platinum AMEX | Chase Freedom | 2 x Chase Freedom Flex | Apple Card
Message 5 of 20
Drwaz99
Established Contributor

Re: Approved - Chase Ink - Bigger limit than I expected

Niiiice! Congrats!

Message 6 of 20
AceTen
Regular Contributor

Re: Approved - Chase Ink - Bigger limit than I expected

Congrats on your new Ink card and fat approval! That's awesome! Thanks very much for sharing the data points as I would love to have the INK.

 

I am always sweating the signatures around here to see what limits people have on various cards to get an idea of what limit I may get if I apply for those cards. I rarely see INKs over 10k. A few highrollers have 25k or 50k but not many that I have seen. Just to give an example, I have 3 personal chase cards, all above 10k, and I would be over the moon to get approved for the INK, even at 3k or 5k! So you did very well, in my opinion. Smiley LOL

"Chains of habit are too light to be felt until they are too heavy to be broken."
Message 7 of 20
Conceptual23
Frequent Contributor

Re: Approved - Chase Ink - Bigger limit than I expected

Congrats on the approval!

Starting FICO 8s | 06/2018: EX 601 ✦ EQ 605 ✦ TU 590
Current FICO 8s | 9/2022: EX 732 ✦ EQ 739✦ TU 743
2023 Goal Score: 760+





Business Cards:


Message 8 of 20
AceTen
Regular Contributor

Re: Approved - Chase Ink - Bigger limit than I expected

Sorry for the second reply and congrats again.  I forgot to ask... Was this your first business card? Do you have any other business credit. Thanks in advance.

"Chains of habit are too light to be felt until they are too heavy to be broken."
Message 9 of 20
SouthJamaica
Mega Contributor

Re: Approved - Chase Ink - Bigger limit than I expected


@_bobby_lee wrote:

I have two personal card with Chase and was interested in the Ink Business Unlimited for my photography business. Annual revenue is about $25k at this point, and both of my personal cards with them have stingy limits of 4k and 6.5k. I applied 10 days ago and was in limbo over the weekend and was thinking it may be a denail, then got a Congratulations email but with no details. Had to wait another week until the card arrived in the mail this morning! Finally found out I was approved for $11k with 13.24% APR I am really surprised and pleased! My spend is not too high right now so I'm not sure I will make that great SUB of $750 but I'll put all my espenses on this card starting now and hope I get to it!


Yeah, before I got to the end of your post I was asking myself 'how is OP going to hit 7500 spend?"  Smiley Happy Good luck with that. Maybe prepay some bills, or use Plastiq or similar to make non-credit-card payments. And I would advise talking to Chase to make sure you know exactly  when the 3 months begins and ends. And one thing I've always wondered about is whether the charge counts as of the transaction date or the posting date; these little details could make a difference in this case, since you'll probably be cutting it close. I don't think Chase would cut you any slack if you missed the SUB deadline by 3 days.


Total revolving limits 586020 (520820 reporting) FICO 8: EQ 710 TU 707 EX 692




Message 10 of 20
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