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Chase Ink Business Preferred Approval ($11K SL)

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DXness
Regular Contributor

Chase Ink Business Preferred Approval ($11K SL)

DPs:
Instant Approval Online
SL: $11,000
APR: 24.24% V
SUB: 90,000 UR for $8,000 in 3M
HPs: EX
EX8: 742
Util: 1%
Total Income: $62,000
AAoA: 9Y, 6M
AoOA: 17Y, 1M
Inqs: 0/6, 1/12, 2/24
6 open personal revolvers, 1 closed, 8 open student loans, 2 closed
Time since last late: 5Y, 9M

Type of business: LLC
Years in business: 11
Employees: 2
1 open business revolver
Number of existing Inks: 0
No deposit accounts at Chase

This was absolutely the fastest online approval I've ever received, the thing only spun for a few seconds before it said APPROVED! I mostly use this for the 3x shipping and travel categories, but the others will become useful in the future, so it's a good long term keeper card. I hit the SUB in two transactions while ordering inventory and those points are earmarked for Hyatt in October.  I applied with both EIN and SSN and they didn't ask for docs.

It's worth noting that this card doesn't offer a 0% intro period, so you can't let anything ride. It's also worth noting that this account does not report to personal. Coupled with being on a dirty profile with low velocity, the HP didn't cost anything either so there was no FICO score impact for doing this. I'm still at 742 on EX with my aging metrics intact and 5/24 status intact. Business cards!

Personal:



Business:

__

Rebuilding, FICO 8s as of May 2026:


EX VS3: 745, EQ VS3: 755, TU VS3: 753, VS4: 709
Message 1 of 7
6 REPLIES 6
cashorcharge
Community Leader
Super Contributor

Re: Chase Ink Business Preferred Approval ($11K SL)

WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂

Message 2 of 7
JoeRockhead
Community Leader
Super Contributor

Re: Chase Ink Business Preferred Approval ($11K SL)

Nice approval, congratulations on your Ink!

Message 3 of 7
Total_Synergy
Contributor

Re: Chase Ink Business Preferred Approval ($11K SL)

Wow@DXness , you are on a great business card roll - Congrats!

Personal TCL ~$400k [Goals Met: 1+ Card with each of the Top 10+ (US) Personal Issuers; $0 Fees; Recurring 0% BT Offers; Team Cashback]:

Business TCL ~$100k [Goals Met: 2 Cards with each of the Top 3 (US) Business Issuers; $0 Annual Fees; Team Cashback]:
                RIP:
* Personal FICO 8 (09/25): TU/EX ~775 (AoOA 3.8yrs, AAoA 2.5yrs), EQ ~825 (still reporting 2 cards closed 13+ yrs ago, AoOA 3.8yrs, AAoA 3.7yrs).
* Began in 1984 w/ Amex Gold Personal + Diners Club Corporate in 1990s. Just these 2 for years. Very little FICO knowledge until CARD Act (2010).
* Note: I have history w/ many lenders; so not always 'internally new to them' even though CRAs show 'new' AAoA. I don't track my Business CRAs.
* Acknowledgements: @Aim_High for 'HTML/Signature inspiration' and ALL myFICOers for helping me to optimize a well-earning card portfolio!!

Message 4 of 7
Dcowboy08
Regular Contributor

Re: Chase Ink Business Preferred Approval ($11K SL)

Gratz on the approval and many thanks for the Data Points!

Message 5 of 7
Copenix
Frequent Contributor

Re: Chase Ink Business Preferred Approval ($11K SL)

Very good. Congrats on your approval and SL.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $117.8K | Utilization 0.9%

FICO 8s March 2026


Message 6 of 7
URHomeInvestments
Regular Contributor

Re: Chase Ink Business Preferred Approval ($11K SL)

Nice quick approval and good sized line.  Thanks for the data points, too!

Message 7 of 7
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