I have a Chase Platinum visa that i've had for about a year. Recently i asked for a credit limit increase but was denied due to two recent paid collections(hospital bills) I was never late on payments on credit card accounts. Shortly thereafter, I received a preapproval for Chase Professional Mastercard. I contacted Chase Bank and they advised that it was a business credit card. I advised that i don't own a business and they said it was ok as long as i dont claim expenses charged on the card on my income taxes. I was then approve for a $5000.00 credit limit. I was disappointed to find out later that this account does not show up on my credit report. But then i realized that i could easily transfer balances from other credit cards(that are reported) to this account to keep my utilization low. It seems strange how a cc company can deny a $500.00 credit limit increase on an account that youve showed a history of no missed payments for a year and then have the same company issue another card with a credit limit of $5000.00. My only complaint is I still continue to get preapproval offers from Chase Bank on the same credit card that they already issued. I guess the marketing department doesn't communicate with the accounts department!