Should I keep bugging chase or leave them alone?

[awp317]

A couple months back I was denied a CLI on my sapphire they said too many recent inquries and sufficent credit limit I have since been using it as my main card and have had it up to its limit a couple times now (using it for business use as well), but approved for a freedom and approved for a CLI on my southwest card (the same day I was decliend a CLI on sapphire no less) I would really really like an Ink card for my company, But wouldnt mind a CLI on my sapphire. So should I apply for an ink card (which I was denied a year ago stating they wanted more history with my sapphire card) Or should I instead try for a CLI on my sapphire card? It just hit it its 12 month mark this statement break. But I have had my southwest card for years, any advice? Thanks! 

[nachoslibres]

I think I would go for the Bold card before trying for a CLI.

[awp317]

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@nachoslibres wrote:

I think I would go for the Bold card before trying for a CLI.

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IM not sure they would give me a bold it the only one of the three that says "designed for our customers with excellent credit" im not sure what excellent credit means to them. Nore do I want a NPSL card on my profile, I would rather have one with a limit showing. 

[nachoslibres]

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@awp317 wrote:

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@nachoslibres wrote:

I think I would go for the Bold card before trying for a CLI.

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IM not sure they would give me a bold it the only one of the three that says "designed for our customers with excellent credit" im not sure what excellent credit means to them. Nore do I want a NPSL card on my profile, I would rather have one with a limit showing. 

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Sorry, I saw Ink and guess I just assumed Bold, my apologies.  I'm not sure if the Ink Cash is any easier to get than the Ink Cash Plus - and I'm not sure which one you would want.  I have heard the Ink cards are harder to get than the personal ones - but I don't know if anyone really knows for sure.  I'm assuming it is the HPs that will hurt you the most - I have several myself right now and think they might end up keeping me from getting another Chase personal card when the time comes.

[rlx01]

I would try for the Ink Plus/Bold and if denied, offer to reallocate CL to open it.

FWIW, the Ink cards don't show up on your personal reports.

[maiden_girl]

^^Also all NPSL credit cards report a limit but they report as a "flexible spending accounts" which means you have the ability to go over the limit they have set for you but you have to immediately pay in full when your statement is due. You can not "revolve" over the limit charges,

I don't believe business cards show up on personal credit reports either. Anyone else chime in on this?

[nachoslibres]

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@maiden_girl wrote:

I don't believe business cards show up on personal credit reports either. Anyone else chime in on this?

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Here's what Chase says:  "as long as payments are made on time for its Ink business cards, the accounts don't show up on the cardholder's personal credit record."

[myjourney]

Amex,Chase and Citi business cards do not report to personal credit unless of default 

CAP1 business cards report to both every month

[awp317]

So is getting an ink bold anything like obtaining an amex charge? where its easier to get a charge than a revolver? For some reason I'm cursed on company cards. Even though i have been in business 11 years now and has had quite a few installment loans in its name only (not even me as a PG) They always deny it. Im just trying to get something other than amex for business usage. 

[awp317]

tried applying for the ink plus becuase of the 60k bonus. Sadly got a 7-10 day. Might call in, might not havent decided yet. 

Really dont want to allocate any of my other limits, the companys revenue should be able to get me a decent limit no problems IMO. But then again im not a CA.