@dabearsv2 wrote:I did not decrease my TLs, however, these are the first apps since I got married and now that I can report both of our incomes, apparently Chase wants me to have more credit! That, and I am a heavy spender on my CSP and pay off immediately.
I will likely disperse my TL to my CSP to make that 30k and then decrease the IHG to 10k. I do not need more than that on IHG and I rarely use Freedom/Hyatt, so no need to increase 5k lines on those.
I understand that I am unable to transfer credit from personal to business, but assuming I make these decreases, I assume this will play a role in the available credit Chase is willing to give me on a legitamate Business card (Ink)?
Things have changed a bit apparently. When I opened my first chase business card the ink bold they pulled 5k off my CSP to open the ink card. Later when they turned the Bold into a revolver instead of a charge card they gave me a limit of 12k. Like a month and a half ago I opened up a Ink plus card and was given a 10k line without recon. I have 64.4k of overall credit with Chase now across all cards. 22k of that is business credit. If I had to guess I would think lowering your overall personal exposure will help your biz app, but I don't think your first chase business card will be has big of an initial credit line has your personal cards. My experience has been my business card approvals tend to be half of what my personal card approvals are. I don't keep my business accounts with chase so if you do that makes a difference. Also, the most I run through the business cards is 2-3k a month, but for people with heavy business spend I can see the credit lines for those people's cards growing to meet the spending needs. Since my business credit lines are more than adequate for my needs I don't see Chase increasing them nor do I really care, because the business lines won't help my util anyway.
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