If you have high utilization due to your business operations, why not get a business line of credit instead? There are net 30 / 60 / 90 accounts that work somewhat like charge cards, and they do not count towards your utilization.
Regardless, you can always ask. I wouldn't recommend it however.
Correct - the Chase Palladium and JPM Select are both "hidden" TLs and suppressed from CRA reporting (unless default occurs of course). They are intended for a specific purpose for HNW/UHNW clients, just like UBS and Goldman Sachs cater to their client base in similar fashion with some of their IB/TS card products.