The DW had been showing Ink card "you are already approved" banners that then switched to "you are pre approved" banners before disappearing over the weekend. We were hesitant to "respond" to those offers in her name due to the identity issues we had both faced with Chase over the last couple years.
After recent success in fixing my ID issues, I went back to the branch with the DW to make sure our superstar personal banker verified everything for the DW and to have her added to my newly opened personal checking account. All went well and then he sent us over to a Business banker who would be assisting in opening a business checking account for us as co owners of the business. (I own 75% of this LLC, our main company, while my Wife owns 25%)
All went very well, smooth as silk, since Chase now regards us as real people. After entering her information, he asked if I would like to open any business credit cards. He turned the screen to show "you are already approved " banners for all Ink Cards. I suspected these were for her since I had two approvals within the last month. After selecting the Preferred, sure enough the approvals were indeed directed towards my DW. He "applied" and she received an instant approval. His words were, "wow, I have never seen a limit like that before" and said the limit was $63,000.00. It didn't mean much to her and I acted as if it was expected though I was internally shocked. This Ink is her first credit product ever approved from Chase. I am certainly glad I gave them another chance and it seems we actually have a world class business banker now as well. The preferred will be a great ad as an earner since AMEX has nerfed the Gold's shipping category.
Personal DP's
Pulled EX (788) and TU (804)
Her largest CL showing is her $63k Flagship but only on TU as yet.
UTI 12% or so
She is showing 3/24, about to be 2/24.
Income mid 200's
Revenue 1.7m
Business DPs:
It was confirmed that we could each get every Ink or Business card with the same EIN since we are co-owners of the business.
EXP Business Score: 75
Her recent haul:
GM Business = $39k
Ink Preferred $63k
Citi Costco Biz = $1.5k
Outstanding SL and approval! Really appreciate the DPs... Especially the little tidbit that each owner can have each Ink card under the same EIN. Just my opinion, and others may have a different viewpoint but, I think Chase is top notch. They've been pretty generous with me on the business side with regular auto CLIs over the past 10 months. Enjoy!
@JoeRockhead wrote:Outstanding SL and approval! Really appreciate the DPs... Especially the little tidbit that each owner can have each Ink card under the same EIN. Just my opinion, and others may have a different viewpoint but, I think Chase is top notch. They've been pretty generous with me on the business side with regular auto CLIs over the past 10 months. Enjoy!
Yes, what a turnaround. My opinion is a complete 180 from 6 months ago. We couldn't even access our personal checking account half the time. We never went for any cards due to that and 5/24 status. The regional business banker just called and asked what else I need... crazy.
I guess the multiple owner cards makes sense if you imagine some large company with multiple "owners". They are all personally guaranteed anyway.
@spiritcraft1 wrote:The DW had been showing Ink card "you are already approved" banners that then switched to "you are pre approved" banners before disappearing over the weekend. We were hesitant to "respond" to those offers in her name due to the identity issues we had both faced with Chase over the last couple years.
After recent success in fixing my ID issues, I went back to the branch with the DW to make sure our superstar personal banker verified everything for the DW and to have her added to my newly opened personal checking account. All went well and then he sent us over to a Business banker who would be assisting in opening a business checking account for us as co owners of the business. (I own 75% of this LLC, our main company, while my Wife owns 25%)
All went very well, smooth as silk, since Chase now regards us as real people. After entering her information, he asked if I would like to open any business credit cards. He turned the screen to show "you are already approved " banners for all Ink Cards. I suspected these were for her since I had two approvals within the last month. After selecting the Preferred, sure enough the approvals were indeed directed towards my DW. He "applied" and she received an instant approval. His words were, "wow, I have never seen a limit like that before" and said the limit was $63,000.00. It didn't mean much to her and I acted as if it was expected though I was internally shocked. This Ink is her first credit product ever approved from Chase. I am certainly glad I gave them another chance and it seems we actually have a world class business banker now as well. The preferred will be a great ad as an earner since AMEX has nerfed the Gold's shipping category.
Personal DP's
Pulled EX (788) and TU (804)
Her largest CL showing is her $63k Flagship but only on TU as yet.
UTI 12% or so
She is showing 3/24, about to be 2/24.
Income mid 200's
Revenue 1.7m
Business DPs:
It was confirmed that we could each get every Ink or Business card with the same EIN since we are co-owners of the business.
EXP Business Score: 75
Her recent haul:
GM Business = $39k
Ink Preferred $63k
Citi Costco Biz = $1.5k
Congratulations on a great credit card, great starting limit, and great business relationship manager.
My Chase business relationship manager walks right by me and doesn't even know my name. I've been doing my business banking with them for around 7 or 8 years at this point.
@cashorcharge wrote:Dude, that's amazing!!!! By far the highest I've seen out the gate on a single card like that!
Congratulations to DW on her massive Chase Approval!!!!
I know shocked is used around here a lot but that word described what I felt. I felt "victory" as I have and am responsible for all things financial and she has been ahead of me since the rebuild. I had focused on her first and though our profiles are similar, she seems to nail big approvals. Since I am the man behind the curtain, her victories mean more to me. She is like... "great, good job" 
I am convinced that her new combined limit on her Flagship of $63k was a prybar. Luckily they pulled TU as well as EX as it is not reporting there.
@SouthJamaica wrote:
Congratulations on a great credit card, great starting limit, and great business relationship manager.
My Chase business relationship manager walks right by me and doesn't even know my name. I've been doing my business banking with them for around 7 or 8 years at this point.
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I know the feeling. Prior to getting ID's fixed, they acted like we were a nuisance. It took many visits just to close our old business and personal checking accounts. Hope it turns around for you too.
Congrats on the approval!
@spiritcraft1 wrote:
@SouthJamaica wrote:Congratulations on a great credit card, great starting limit, and great business relationship manager.
My Chase business relationship manager walks right by me and doesn't even know my name. I've been doing my business banking with them for around 7 or 8 years at this point.
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I know the feeling. Prior to getting ID's fixed, they acted like we were a nuisance. It took many visits just to close our old business and personal checking accounts. Hope it turns around for you too.
Nothing bad has ever happened. They just don't know or care that I exist.