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DansDeals Forum => Credit Cards => Topic started by: Joel on April 18, 2020, 10:59:58 PM

Title: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Joel on April 18, 2020, 10:59:58 PM
https://www.doctorofcredit.com/chase-seems-to-be-tightening-small-business-credi
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on May 12, 2020, 03:03:10 PM
Can anyone follow up on this? Is it true?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on May 12, 2020, 03:09:28 PM
All banks are getting much tougher on all cards approvals.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on May 12, 2020, 03:11:05 PM
All banks are getting much tougher on all cards approvals.
Would you think that things will get easier after the crisis settles?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: PlatinumGuy on May 12, 2020, 03:20:18 PM
Would you think that things will get easier after the crisis settles?
If it settles...
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Joel on May 12, 2020, 06:24:38 PM
All banks are getting much tougher on all cards approvals.
Not Amex
Did 3 applications in past 3 weeks
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: CountValentine on May 12, 2020, 06:37:38 PM
Would you think that things will get easier after the crisis settles?
Will take some time but it will happen. Hopefully we see some bonus wars.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on May 12, 2020, 07:06:54 PM
Will take some time but it will happen. Hopefully we see some bonus wars.
Hope so too!
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: mdv on May 20, 2020, 12:46:14 AM
Declined for ink preferred (still working link to old 80k offer) solely due to "business structure ". any idea what that means?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on May 20, 2020, 12:48:08 AM
Declined for ink preferred (still working link to old 80k offer) solely due to "business structure ". any idea what that means?
Chase business approvals are extremely tough now. GL.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Zevi16 on May 20, 2020, 02:10:36 AM
I got declined for 2 inks. No valid reason.
One person said too short history. Another said too much credit. Nothing actually true.
I went to the next tab and applied for 2 Amex cards and got approved for both BH
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: yaakovely on May 20, 2020, 08:12:31 AM
Chase business approvals are extremely tough now. GL.
dp, If you have Private Client seems like our banker was able to get my wife and I approved for the Chase Ink Preferred even though we were both 5/24. Also she matched  the out of branch offer for the 100k point bonus.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: AsherO on May 20, 2020, 10:26:38 AM
All banks are getting much tougher on all cards approvals.

@Dan

Is this their official policy? Reported elsewhere? Anecdotal? Based on DDMS application stats?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: KSMH on May 20, 2020, 10:47:30 AM
All banks are getting much tougher on all cards approvals.
Chase business approvals are extremely tough now. GL.
.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on May 20, 2020, 10:52:34 AM
@Dan
Based on DDMS application stats?
Talks with several banks and this.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on June 05, 2020, 11:10:11 AM
Anyone got approved recently for any inks? Do I have a better chance in branch?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on June 05, 2020, 11:11:10 AM
Anyone got approved recently for any inks? Do I have a better chance in branch?

Very small odds either way.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on June 05, 2020, 11:25:41 AM
Very small odds either way.
Any different when applying for a freedom or freedom unlimited?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on June 05, 2020, 11:26:29 AM
All banks are getting much tougher on all cards approvals.
Or is this still the case?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Joel on June 05, 2020, 11:28:21 AM
Any different when applying for a freedom or free unlimited?
I and a family member applied for chase personal cards and was easily approved.
Hyatt
Freedom unlimited
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on June 05, 2020, 12:00:56 PM
Any different when applying for a freedom or freedom unlimited?

Yes. I'm talking about Chase business cards.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: justmeha on June 05, 2020, 02:46:32 PM
Yes. I'm talking about Chase business cards.
does it make a difference if it is a sole prop or a real ein?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on June 05, 2020, 02:56:48 PM
does it make a difference if it is a sole prop or a real ein?
No.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: yaakovely on June 05, 2020, 06:23:33 PM
Anyone got approved recently for any inks? Do I have a better chance in branch?
Yes, both my wife and I. In branch you will only get 80k points after spending 5k though, but at least you have a higher chance of getting approved.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on June 05, 2020, 07:56:04 PM
In branch you will only get 80k points after spending 5k though,
Ah thanks. That's in general a rule applying to in Branch applications? I prefer the 80k offer as I don't have to hit 15k spending.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: TheDroid on June 06, 2020, 11:23:34 AM
Anyone got approved recently for any inks? Do I have a better chance in branch?

You have better chance if you have some money in CHASE accounts. How much I don't know. I would try 10k avg balance for a month.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: justmeha on June 06, 2020, 09:50:13 PM
Yes, both my wife and I. In branch you will only get 80k points after spending 5k though, but at least you have a higher chance of getting approved.
what do you need to apply in branch?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Joel on June 06, 2020, 09:55:15 PM
You have better chance if you have some money in CHASE accounts. How much I don't know. I would try 10k avg balance for a month.
-1 Says who? Did you get approved by having $$ in chase?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on June 06, 2020, 11:03:23 PM


Did you get approved by having $$ in chase?

I know I got rejected for not having enough in my account as I've been banking with Ally mainly
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: TheDroid on June 07, 2020, 10:30:20 AM
-1 Says who? Did you get approved by having $$ in chase?

You can take your -1 and keep it to yourself. I'm not going to tell you what you want to hear. I tell you what you should hear, to listen or not is up to you. I gain or lose nothing whether you get approved or not. If you are greedy for information and too lazy to fact check, it's on you. Says who? Says ME

The truth never dies. See below.


I know I got rejected for not having enough in my account as I've been banking with Ally mainly
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Joel on June 07, 2020, 10:35:20 AM
You can take your -1 and keep it to yourself. I'm not going to tell you what you want to hear. I tell you what you should hear, to listen or not is up to you. I gain or lose nothing whether you get approved or not. If you are greedy for information and too lazy to fact check, it's on you. Says who? Says ME

The truth never dies. See below.
Please don't spread fake date points of real approvals when you don't have any!
I haven't seen online on any forum a approval in the past 8 weeks except 1 random in the past week.
so please stop spreading fake news that you need $$ in the bank to be approved it didn't help anyone AFAIK
what @El Capitan is saying isn't proven yet so who knows what he is saying is true bring me one person who this method helped.
maybe i shouldn't respond to your posts as i can clearly see your trolling..
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on June 07, 2020, 12:54:18 PM


AFAIK
what @El Capitan is saying isn't proven yet so who knows what he is saying is true bring me one person who this method helped.

Didn't say the opposite helped. Just saying I got rejected with that being one of the reasons.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Joel on June 07, 2020, 01:02:43 PM

Didn't say the opposite helped. Just saying I got rejected with that being one of the reasons.
Huh? is this a biz account? looks like a personal freedom
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on June 07, 2020, 01:28:26 PM
Huh? is this a biz account? looks like a personal freedom
It is a personal freedom. Sorry if I got confused but I thought we were talking about Chase in general and not specifically business
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Joel on June 07, 2020, 01:36:23 PM
It is a personal freedom. Sorry if I got confused but I thought we were talking about Chase in general and not specifically business
Lets make something clear Chase is only declining on business cards not personal for now.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on June 07, 2020, 01:41:38 PM
Yes. I'm talking about Chase business cards.
Said this to you before. Also, see thread title.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: CountValentine on June 07, 2020, 01:44:28 PM
Have you tried lately? @Dan
The only reason I ask because you have what I consider a real business.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on June 07, 2020, 01:50:07 PM
Have you tried lately? @Dan
The only reason I ask because you have what I consider a real business.
Nope, have way too many Chase business cards open right now.
Tried for Citi AA Biz and was rejected as my wife has one for the same business.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: TheDroid on June 07, 2020, 02:13:49 PM
Please don't spread fake date points of real approvals when you don't have any!
I haven't seen online on any forum a approval in the past 8 weeks except 1 random in the past week.
so please stop spreading fake news that you need $$ in the bank to be approved it didn't help anyone AFAIK
what @El Capitan is saying isn't proven yet so who knows what he is saying is true bring me one person who this method helped.
maybe i shouldn't respond to your posts as i can clearly see your trolling..

You should start accepting ideas that contradict you. Don't be the center of everything, it leads to a recent protests about equality.
I never said you need money in the bank. Go read my comments again, without your biased mindset, word by word. (basic comprehensive reading skills required)
Please don't call out FAKE NEWS without facts. Unfortunately, you are the one spreading fake news and doesn't help anyone.

Let me help some more with your bias, just because you want to see approvals you are looking for reasons to get approved. Myself and @El Capitan is showing reasons you don't get approve, which is not the opposite of reasons to get approved. Did you even care to read the reasons why people got rejected in the past 8 weeks, if you do some research then you should see people got rejected for the same reason as @El Capitan for a business card.

Better yet, do you EVER see any bank giving you a reason for your approval.
Have you ever seen "Congratulations you FICO is above 700 and your loan history falls into the 90th percentile of our risk assessment based on your established credit history with us and your deposit and investment exceeds $5000 which is higher than our mean AUM for the business your size."

Like I said earlier If you are greedy for information and too lazy to fact check, it's on you. But please don't try to force your bias into others, especially if you don't even do fact checking at all.


Didn't say the opposite helped. Just saying I got rejected with that being one of the reasons.

Unfortunately, with bias some people will interpret as "you need $$ in the bank to be approved"

Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on June 07, 2020, 02:24:27 PM
Damn. Who knew a couple of CC apps can start such a fight
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: TheDroid on June 07, 2020, 02:31:55 PM
Damn. Who knew a couple of CC apps can start such a fight

Welcome to America, land of the free home of the brave.  :D
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Joel on June 07, 2020, 02:32:04 PM
I never said you need money in the bank. Go read my comments again, without your biased mindset, word by word. (basic comprehensive reading skills required)
You have better chance if you have some money in CHASE accounts. How much I don't know. I would try 10k avg balance for a month.
Let me help some more with your bias, just because you want to see approvals you are looking for reasons to get approved. Myself and @El Capitan is showing reasons you don't get approve, which is not the opposite of reasons to get approved. Did you even care to read the reasons why people got rejected in the past 8 weeks, if you do some research then you should see people got rejected for the same reason as @El Capitan for a business card.

I and my father was approved last week (personal). again there is no recent DP of anyone being approved for a chase biz card so don't give anyone hope for a miracle and a wasted HP.  why you and @El Capitan was declined does not have to do with having cash in the bank its the most ridicules thing i heard.

Better yet, do you EVER see any bank giving you a reason for your approval.
Have you ever seen "Congratulations you FICO is above 700 and your loan history falls into the 90th percentile of our risk assessment based on your established credit history with us and your deposit and investment exceeds $5000 which is higher than our mean AUM for the business your size."
What is this have to do with chase not approving biz cards??

Like I said earlier If you are greedy for information and too lazy to fact check, it's on you. But please don't try to force your bias into others, especially if you don't even do fact checking at all.
I am just trying to prevent anyone for falling for your BS nothing greedy my friend :)

Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: justmeha on June 07, 2020, 02:37:50 PM
Have you tried lately? @Dan
The only reason I ask because you have what I consider a real business.
does it make a difference if it is a sole prop or a real ein?
No.
It seems that @Dan  doesnít think it will make a difference
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: El Capitan on June 07, 2020, 02:44:27 PM
Ok I think @Joel2  and @TheDroid both need to seriously chill
Although I must say I do apologize for asking what was clearly a dumb question and I should have read again before I asked
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: TheDroid on June 07, 2020, 03:11:07 PM
And when I thought I was going to let this go. One Last time.....

I never said you need money in the bank. Go read my comments again, without your biased mindset, word by word. (basic comprehensive reading skills required)

You have better chance if you have some money in CHASE accounts. How much I don't know. I would try 10k avg balance for a month.

Like I warned word by word, basic comprehensive reading skills required


I and my father was approved last week (personal). again there is no recent DP of anyone being approved for a chase biz card so don't give anyone hope for a miracle and a wasted HP.  why you and @El Capitan was declined does not have to do with having cash in the bank its the most ridicules thing i heard.

What is this have to do with chase not approving biz cards??

I am just trying to prevent anyone for falling for your BS nothing greedy my friend :)

While I appreciate your concern and warning for other people (I do too), you do need some basic comprehensive reading skills. (Unless I'm replying to a 14 year old)

No one is convinced or trying to convince you need money to get approve. From the banks letter it tells how people got rejected for lack of money. It doesn't tell how to get approved at all.
Again, basic comprehensive reading skills will tell you reason to get rejected is not the opposite of reason to get approved.

Your original link already provided DP for reasons people got rejected. If you even care to read it (of fact check even from this site), it supports all my points.
https://www.doctorofcredit.com/chase-seems-to-be-tightening-small-business-credi
Like I said for the 3rd time. If you are greedy for information and too lazy to fact check, it's on you. But please don't try to force your bias into others, especially if you don't even do fact checking at all. Your own link says enough.

Neither anyone should imply that getting approved for personal is equal to getting approved for business card. But I feel you are logic might mislead you to think otherwise.
If if you can't even understand my sarcasm of ever seeing any bank giving you a reason for your approval, you probably do need some comprehensive reading skills.

Hopefully when you grow up you can understand this better. I have provided enough on my side, if you think its BS then it's fine by me and all on you.

Ok I think @Joel2  and @TheDroid both need to seriously chill
Although I must say I do apologize for asking what was clearly a dumb question and I should have read again before I asked
Please don't apologize, you did nothing wrong. It's my bad to present facts with someone who is too blindly biased and have weird logic.
The DP as of now is barely anyone got approved for the business card.
The DP is lacking now is why the huge rejects? Or with comprehensive reading skills, can we really trust what CHASE tell us about deposits or they just reject everyone with lame excuse.
The DP we should be looking for is people with 50-100k invested with them for at least 6 months if they got rejected or approved.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Joel on June 07, 2020, 03:19:53 PM
You have better chance if you have some money in CHASE accounts. How much I don't know. I would try 10k avg balance for a month.
I am confused is it 10k or 50k? ::)
The DP we should be looking for is people with 50-100k invested with them for at least 6 months if they got rejected or approved.
No point in arguing if you need 50k or a million... 
Chase business approvals are extremely tough now. GL.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Joel on June 07, 2020, 04:53:08 PM
Your original link already provided DP for reasons people got rejected. If you even care to read it (of fact check even from this site), it supports all my points.Like I said for the 3rd time. If you are greedy for information and too lazy to fact check, it's on you. But please don't try to force your bias into others, especially if you don't even do fact checking at all. Your own link says enough.
Well after reading some recent DPs on Doc it seems like your even more wrong..
The DP we should be looking for is people with 50-100k invested with them for at least 6 months if they got rejected or approved.
60K did not help this guy..
https://www.doctorofcredit.com/chase-seems-to-be-tightening-small-business-credit-card-application/#comment-983543 (https://www.doctorofcredit.com/chase-seems-to-be-tightening-small-business-credit-card-application/#comment-983543)
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: ExGingi on June 07, 2020, 05:09:42 PM
Credit is tightening. I'm not sure why it's only business card applications at this point (maybe fear of businesses going belly up). But there's definitely also tightening in the mortgage market:

Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on June 07, 2020, 05:17:41 PM
Credit is tightening. I'm not sure why it's only business card applications at this point (maybe fear of businesses going belly up).
Businesses are all a major delinquency risk factor right now.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: ExGingi on June 07, 2020, 05:23:12 PM
Businesses are all a major delinquency risk factor right now.

Indeed. OTOH quite a few individuals I know have lots of extra liquidity and actual $$$ as a result of various stimulus programs and the CARES act. The question is how long will that last for the individuals, hence the tightening on the mortgage side.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: joey89 on June 07, 2020, 09:19:15 PM
Nope, have way too many Chase business cards open right now.
Tried for Citi AA Biz and was rejected as my wife has one for the same business.

So itís one per business and per person? Or can you get multiple of the same Citi cards for different businesses?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Baglach on June 08, 2020, 10:27:00 AM
Businesses are all a major delinquency risk factor right now.
Was waiting to get the ink for a while just got out of 5/24, any point in trying with legit business (EIN) and my personal score is over 800?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on June 08, 2020, 10:29:13 AM
Was waiting to get the ink for a while just got out of 5/24, any point in trying with legit business (EIN) and my personal score is over 800?
Nope. They're not approving business cards now. And I don't see that changing this year.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: ExGingi on June 08, 2020, 10:51:13 AM
Nope. They're not approving business cards now. And I don't see that changing this year.

Would that be a reason not to shut down an Ink Plus that just got billed for an AF?

Also, if they're not approving business cards, why do they have the applications active online?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on June 08, 2020, 10:57:01 AM
Would that be a reason not to shut down an Ink Plus that just got billed for an AF?

Also, if they're not approving business cards, why do they have the applications active online?
You can always downgrade to a no-AF, though you can't get IP back again.
They took regular applications offline and require logging in. I'm not saying an approval is impossible, only that for 99.9% of people it will be impossible.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: ExGingi on June 08, 2020, 11:15:09 AM
You can always downgrade to a no-AF, though you can't get IP back again.
They took regular applications offline and require logging in. I'm not saying an approval is impossible, only that for 99.9% of people it will be impossible.

Any point in downgrading to another no-AF ink (I already have 2) rather than just consolidating? What's the advantage of the Ink Plus over the current Ink offerings?
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Dan on June 08, 2020, 02:13:54 PM
Any point in downgrading to another no-AF ink (I already have 2) rather than just consolidating? What's the advantage of the Ink Plus over the current Ink offerings?
1. Which Inks do you have?
2. No forex, higher 5x limit, different categories.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: justmeha on June 08, 2020, 06:14:15 PM
Would that be a reason not to shut down an Ink Plus that just got billed for an AF?
i wouldn't
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: fresar on June 10, 2020, 11:52:09 PM
I got approved today for a chase ink card.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: Joel on June 11, 2020, 07:28:35 AM
I got approved today for a chase ink card.
Nice! Do you mind sharing the details
Which card?
Real business? Or sole prop
Age of business?
Reported income?
Your history with chase

Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: CountValentine on June 11, 2020, 07:31:08 AM
Real business? Or sole prop
SP's are real businesses. A real business is where you actual conduct business not where you claim you have one by selling an item on eBay.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: ExGingi on June 11, 2020, 11:34:25 AM
1. Which Inks do you have?
2. No forex, higher 5x limit, different categories.
No forex used to be something, but since I shut down my Golan account, is there a reason to use a business card for foreign purchases?

Higher 5x limit. Well, that was my initial thought, but do I even maximize the 5x on the lower limit? Maybe once I retire trading stocks and options on RH I can dedicate more time to MS.
Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: ExGingi on June 11, 2020, 11:38:37 AM
Nope. They're not approving business cards now. And I don't see that changing this year.

And this is probably why:

Title: Re: PSA: Chase Seems To Be Tightening Small Business Credit Card Applications
Post by: fresar on June 12, 2020, 07:40:13 AM
Nice! Do you mind sharing the details
Which card?
Real business? Or sole prop
Age of business?
Reported income?
Your history with chase
Cash Card, real business , long history with chase