UPDATE:
tldr; APPROVED! Same business, no question about the current balance on my existing Ink Business Unlimited card.
Details:
- With the elevated SUB going away soon, I bite the bullet and applied for another Chase Ink Business Unlimited. No change in situation from my original post.
- Had Experian frozen and got an immediate messaging notifying me to unfreeze the credit report and call in when this is done. I called the number and requested they pull Equifax, but the representative stated that they are required to pull Experian for this application. I unfroze it while on the phone and the report pulled successfully.
- I spoke with 6 different people including one very helpful representative who was almost coaching me on responses. "So, this card will be used for __________, right?" It struck me as odd, but I rolled with it.
- I was on the phone for 60 minutes total.
- Approved over-the-phone with the last representative.
- No income verification, no financial review, etc.