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I recently applied for the Southwest business card to get the Southwest Companion Pass and got approved after calling the reconsideration line. Earning the Companion Pass in 2013 means that Emily can fly for free, up to the end of 2014, on every Southwest ticket I book using either miles or points!
The 50,000 point Chase Ink Plus, Chase Ink Bold, and the Chase Southwest card are among the best business cards by Chase, so I thought I’d post my experience with the Chase business reconsideration line (800-453-9719). The Chase reconsideration line is closed on Sundays.
The credit line for business cards does not show in my personal credit report and impact my credit utilization or credit aging, so it doesn’t impact my personal credit score in the long term. However, the credit inquiry does show in my personal credit report, but the effect drops off after 3 to 6 months (though it does stay on my credit report for 2 years).
Business cards are an easy way to get extra miles and points, and as I’ve written previously, many of us may qualify for businesses even though we don’t realize it. However, business credit cards may not have all the consumer protections which personals cards have.
With Chase business cards, it can take weeks to get approved. I’m impatient so I call the reconsideration line to get approved as soon as I submit my application. I ask the reconsideration analyst to use my social security number to look up my application.
Goals
Your Goal: Get approved for the Chase business card which you applied for. You’ve already got an inquiry on your credit report when you applied for the card, so you may as well try to get approved for the card.
Chase’s Goal: Lending to small businesses is riskier than lending to individuals, so Chase wants to ensure that the credit extended is appropriate and likely to be paid back. You do personally guarantee that you’ll pay back debt on your business credit card, but Chase still needs to do its due diligence.
Preparation: Prepare responses to commonly asked questions such as how long you’ve had your business, prior, present & future revenue, expenses, profit and your personal income and employment details. Also review my post on calling the reconsideration department at banks.
My Call
I applied for the Southwest business credit and called the Chase reconsideration line 800-453-9719.
Chase Analyst: Chase business card services. How may I help you?
Daraius: Hello, I just submitted an application for the Chase Southwest Business card and I was curious if you needed any other information to process the application?
I prefer asking the agent indirectly to check my application status, instead of opening the call with a plea to check my application status.
Chase Analyst: Sure. It will take 3 to 4 minutes to review your information and we can then make a decision on the card. Do you want to continue?
Daraius: Yes, of course!
Chase Analyst: What is your reference number?
Daraius: I don’t have a reference number, but here’s my social security number, XXX-YY-ZZZZ.
The agents almost always ask for a reference number, but you can have them look up your application via your social security number. The reference number is usually in the letter you get from Chase declining your application or asking for more information.
Chase Analyst: Thanks! What does your business do?
Daraius: I write a blog on how to best use airline miles and hotel points to travel.
Chase Analyst: How long has it been established?
Daraius: Close to 2 years now! I registered the name earlier, but didn’t start until April 2011.
Chase Analyst: What was your revenue for 2011?
Daraius: I didn’t earn any revenue in 2011.
Chase Analyst: How did you calculate your income or loss?
Daraius: The usual way – gross receipts (which were zero) less expenses incurred with the business. I’m a small business, not a big bank, so nothing funny here!
Chase Analyst: Ha! That’s fine. What was your revenue in 2012?
Daraius: Year to date revenue is $X.
Chase Analyst: How much experience do you have with your business?
Daraius: I used to travel 3 weeks out of 4 in a month for business and collected lots of points. Blah, blah…
Chase Analyst: You don’t have to disclose separate income (alimony, child support etc.) unless you want to use it to repay credit card debt. Is the total income you entered on the application still $X?
In my experience, the agents always ask this question. I interpret this to mean that it is okay to include income from your partner as long as it can be used to repay the credit card debit. An agent suggested that Emily include partner’s income (on a separate reconsideration call for her), but your miles may vary.
Daraius: It still is.
Chase Analyst: I see that you already have another Chase Southwest business card?
Daraius: Actually I closed that card about a month ago. It was the Plus version, but I want the Premier version which doesn’t have foreign transaction fees and earns me A-List qualifying point unlike the Plus card which I cancelled.
If I had cancelled the Premier version instead and applied for the Plus version, I would have said that I wanted a card with a lower annual fee.
Chase Analyst: Is your address still [reads my address]. Do you want to add another user to the account?
Daraius: That’s still my address and I don’t want to add anyone else at this time. Thanks!
Chase Analyst: How much credit do you want on this card?
Daraius: Not a whole lot – $5,000 should be enough. I’ve also been using my Chase Ink Bold regularly, so I don’t need a lot of new credit
I didn’t want it to appear that I wanted a lot of new credit. I just wanted to be approved!
Chase Analyst: Let me put you on a brief hold and route this for verification.
Daraius: Sure, take your time!
Chase Analyst: [After 7 minutes] Congratulations! Your Southwest card is approved!
Daraius: Thanks! And have a great Thanksgiving weekend!
The call took ~20 minutes, but I was approved for my Southwest Business card after the call!
What To Do If You’re Not Successful?
Call again – either immediately or later on. You’ve already received the credit inquiry so you may as well try to get approved. Often times, a different representative will be more sympathetic or easier to talk with.
Remember, you can always move credit from your existing business cards or even your personal cards with Chase to make room for a new case. In some cases (usually when you have a shorter credit history/history with Chase), you may have to cancel a credit card to get approved for a new one with Chase as described in this post.
Bottom Line
The Chase Business reconsideration analysts ask a lot more questions than the personal analysts. And some of them are “all business” (read = not much small talk) since that’s their job, so don’t take it personally!
But it doesn’t hurt to be prepared and to think about your responses to some of the commonly asked questions such as how long you’ve had your business, prior, present & future revenue, expenses, sales and your personal income and employment details.
If you give them a reason to approve you, they will. Good luck!
* If you liked this post, why don’t you join the 7,500+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in a RSS reader …because then you’ll never miss another update!
I have earned and redeemed millions of airline miles and hotel points to travel the world for free. Now I'm blogging to help more people do the same! 
I applied for a card today and was told it would require ten days possibly longer to receive an answer. I then found your site and took your advice to call the reconsideration line immediately. Your advice was perfect and my business (a non profit) received approval immediately. The cash back offer is so important for us and will help save more animals’ lives. So thank you for your help.
@Maia @julia – Congrats and thanks for sharing your experience.
I applied for the Ink Bold using your referral link last Thursday. I did not get instant approval. Called reconsideration line the day after and was able to get the card approved after answering lots of questions. I also had to call in and move credit around to get the United card approved. Thank you for your posts on reconsideration with Chase. It has worked for 4 times already (the previous apps were the SW cards).
@gocong – Thanks for using our links and glad it worked out!
I applied for a CSP for personal and an Ink Plus at the same time. Instantly approved for the CSP and denied for the Ink Plus on reconsideration call. Was told pretty quickly that I didn’t have a long enough personal credit history (under three years), which surprised me because I was approved for the CSP which I believe has the same requirements as Ink Plus. Do you think it’s a matter of business side scrutinizing more or just the agent I spoke to?
@Joe - I suspect it is a bit of both, so I’d call back a few times and see if you get the same response. Good luck!
I saw the comment from @julia saying that she had success getting a chase business card for a nonprofit…is this usually the case? I’d like to do this for my own 501(c)3, but I haven’t found a lot of information about whether that’s generally allowed. Any advice? Thanks!
@Adam – A non profit may be able to get a card as well to charge expenses in the normal course of running the non-profit.
Is there a limit on how many times one should call the recon line? I applied yesterday for the United personal card and Ink Plus, instant approval on United w/ 12k limit and pending on the Ink Plus. After discussing with a CSR, I was denied for the Ink Plus due to short period of time the business has been in existence. I asked if it was possible to move some of the credit from United to the Ink Plus and the CSR stated that this was not possible.
So, I plan on calling again tomorrow. Any suggestions on how to tackle? Do I bring up the first call or just act like it never happened?
@Brian – I’d call and see if a different rep is willing to help. I usually try 3 to 5 times since a lot depends on the rep and how you convince them. You can mention that you’re not looking for a high limit etc.
Unfortunately I called back and the CSR wouldn’t even consider anything because she had record that I spoke to someone yesterday. Reasons given were because the “business” was new and length of credit history (only have had cards in my name for a year).
Oh well, perhaps I’ll try again in 6 months. Thanks for your input.
Hi Daraius,
Thanks for another great post! I just called to plead for the Chase Ink Plus and I was happy to find out I was already approved. They even offered to rush the card via overnight mail. Looking forward to seeing you and Emily at FTU.
Kathy
@Brian – You’ve already got the credit inquiry, so you could call at a different time and hope to get a better rep!
@Kadence - Congrats! Looking forward to seeing you at FTU!
I got my personal Chase SWA Visa, did the $3k spend in 1 month and got the 50 k miles + miles for the spend in early Feb. I applied and got (with reconsideration) the Chase Busn Visa for my small business, did the $2,000 + spend, but only the regular miles posted. I had read sometimes it takes 2 cycled to get the 50k bonus to post. ?? Do you know if that is true??. Still using card so will get more regular miles in March cut-off – but need bonus for CP
Reviewing your blog has become an almost daily routine for me. Thanks for not only your blog, but how well your articles are written. I just started this system, and I already had two one-way Europe trips using points/miles, and I am now on my way to 100K with Southwest. I only started this in September of 2012. Wow it is hard to imagine, and hope the companies behind these cards continue these offers.
Hi I just applied for both the consumer and the business SWA credit cards with Chase. I was wondering if I should call both the consumer and the business reconsideration lines to check on my application. I want to try and get the cards soon so I can maximize the time to get the points for the companion passes. Thanks for your input.
Applied for the Marriott Chase, got the “pending” response online, went back to your website with the reconsideration information, called and followed your advice, and after some questions and moving some credit line among accounts was approved on the telephone. Thanks for your help. In the past I would have just waited..
I applied for both the Freedom and Chase Ink within minutes of each other. Instant approval for the Freedom, pending review for the Ink. I waited for 3 days then found this post. I then called the recon and got approved immediately after of course, answering the same questions.
The next day, I got a letter in the mail saying unfortunately, I wasn’t approved due to “too many inquiries”. Lol, yeah right! 2 days later, I got my card.
PS – Also got to request my credit report for free using the letter I received. Double win!
Thank you for this informative post! I haven’t done credit card churning before, but I decided to try it with those Southwest 50,000 point cards. I wasn’t approved for either the business or personal cards over the web, but I called both on the phone immediately afterward and I was approved for both! They said the problem was that I had another (old) Chase card with a $30k credit limit (that I wasn’t using) and said I couldn’t get any new credit, but I could transfer the credit limit from that card to my two new cards. Yippee!
Followed your advice exactly after not being instantly approved. Same result as you… with same low $5,000 credit line. Thanks! Don’t think it would have happened the natural way do to having too many Chase cards open.
Whoo Hoo!! So I applied for the personal SW card and got instant approval. Pending for the Business one. I called 2 days after applying and she said that my request had been denied due to too many inquires. I followed your advice Dararius and after visiting with the rep she approved me for 5,000 credit! I should have started this process earlier in the year for the 2 years on the companion ticket but hey, I’ll take 1.5 years. Thanks so much for all your advice. I would not have gotten this if for not reading your blog. Hope you are feeling better and safe travels home.
@eric – Thanks for the update!
@SAPMAN – If you completed the minimum spending only a few days before the statement closed, it could take longer for the points to appear in your account.
@Yvonne – Thanks for reading!
@Janice – I usually prefer to call the reconsideration lines, since I’m impatient, but do what is most comfortable for you.
@Pat B @Dave @Nancy @Hurlba – Glad it worked out!
@Juli – Congrats and thanks for your wishes.
Thanks so much for your terrific advice, which gave me the confidence to go for the business card. Companion Pass, Here I Come!
I recently applied for the Personal Southwest card and was approved. Then when I applied for the business today (a week later) it was not instantly approved. When calling the reconsideration line for a Business card, can you use income from a regular job to the business income questions? I was thinking about saying the Business card was to keep my expenses for work separate from personal? Because I currently do not run an actual business but, actually would keep the business card focused to work related expenses such as travel, phone, internet, gas and work related expenses as I will be traveling a lot for work in the near future and not all travel expenses are paid for by work.
@PSL – Congrats!
@mtp – You can put your income in the regular income section, but the category for business income should be your genuine business income. Good luck!
Applied for the US airways business card, application pending, when I got the notice, it stated I was rejected no credit report used to make decision. Not sure what that means. I have the personal Us airways card which was instantly approved for several months ago.
My mistake, put it under chase reconsideration post, sorry!
@MMS Just apply for Ink Bold and call the buz line, and got shot down (denied) I think I may have had my 1st chrum mistake. CS told me that reason that I got denied was withing the last 6 months, I have already have 3 personal(PC, United, CSP) and 1 biz card (Ink Plus). It seem a bit too aggressive. They they would not be able to approve this app due to that reason?! I offer to cancel my United, but still can’t get approved… my score is over 770.
any advise? did I just wasted an application credit pull.
@Bob – Barclays is tough to get approved by. I’d call the reconsideration line, but wouldn’t call them back if they don’t approve it.
@Tommy – I’d call again a few times and offer to cancel a card to get approved. Perhaps you can start the call by offering to close the United to get approved for the Ink Bold card.
I just applied for a Southwest Plus Personal card and Southwest Plus Business card. I got approved for the Personal card, but not the Business card. I called the reconsideration line twice. The first person asked me why I needed another card and I guess the answer I gave was not good enough. I then closed a Chase Ink Plus card and tried again. The second person saw that I had just called and she said the number of new accounts in the last year is what is holding me back. Any suggestions how long I should wait to try again? Should I call again or should I reapply online?
@MMS Ink Bold app fail – 3 calls, all same answer, “sorry sir, but your business is still new and unable to open other card with so many new card in less then a year” I only have 4 chase card in the last 6 months. Even when I offer to close two card.. oh well
I applied for both SW cards in the same day and also got approved for only the Personal card but not the business. They offered to give me the business card but only if they closed the personal card and I said no. In hindsight, I should have said yes because it will probably be easier to re-apply for a personal than a business. I got the same answer of “because your business is still new”. I offered to decrease the line on the new personal card and he still said no. How long should I wait to reapply? I’m really gunning for the companion pass churn.
@Victor – Reappying so soon may not help. I’d call and say that you wanted the Southwest card, but didn’t want any more additional credit, so you closed the Ink Plus card. And is there any way for them to approve you?
@Tommy – I’d start the call by saying that you don’t want any more additional credit and want to cancel 1 Chase card to get approved for another Chase card and is there anything they can do to help?
@V - I’d wait a few months before applying. Do you have any other Chase cards? If so, you can call and ask to cancel the existing card you have to get approved for the business card. You can also mention that you don’t want a large credit line.
@MMS 4th call, started off as you suggested., and longer wait this time.. but once again fail. This time she said.. “decline due to, too many inquire on your credit report and the aggressiveness of new cards in the last 6 months” But I only had two inquires for the last two months,(one for this apps, and other for Citi app) that reason is BS…
pay off all CC online and didn’t have any balance ea months, use them all, try to mix them around. But I do use my Ink and CSP more.
Fortunately, I heard about the Companion Pass in January of this year. I’ve got excellent credit so I went for the SW personal card and met my spend limit just two weeks ago. I applied for the business card today, and when I called the reconsideration line just now I kept this blog entry in front of me because I was nervous. Lo and behold, I was approved over the phone and will be expecting my new SW business card in the mail shortly. Thank you SO MUCH for the tips above, you are what got me this card and hopefully my companion pass shortly. THANK YOU!
Hey – thanks so much for this blog post! I was able to get the Southwest Personal Premier approved immediately, but was denied for the business version. I’ve called reconsideration twice now (following your guidelines) and have been denied both times. Both reps said my business is too new, and that I don’t have enough credit history.
I was under the impression that they don’t have much problem issuing cards to “new” businesses? I said mine started Jan 2012, and had about 1000 in revenue last year i.e. it’s just a side business but I want to track my expenses separately. I also have a Chase Freedom that is a little over a year old with flawless history, and a 5-6 year old BofA platinum. But those are all the cards I have.
So I guess my question is… do you think I have any shot at reconsideration? Or do I need to build up a bigger card portfolio before I can start going for these business cards? My CreditKarma score is ~770 for what its worth.
Thanks again for your awesome advice and this awesome blog!
Oh, forgot to mention – they weren’t willing to move any credit from my new personal card or my Freedom card to help supplement the business line. And they specifically mentioned the minimum line for the business card is $5000.
@Tommy – Did you try explaining the credit inquiries? You could try again, but it depends on what you’re comfortable with.
@New eBay Business – Congrats and thanks for sharing. Enjoy the 2 years of discounted travel!
@Mike – Your business isn’t that new, so you should have a chance if you call again. You can offer to move credit (they do that). You could say that you’re not looking for a new credit line, but want to use the Southwest card for its benefits and were curious if you could move credit from your existing Freedom card. Good luck!
Hi Daraius,
I got approved for my personal card but the business card reconsideration said they need a copy of my EIN, which I don’t have because I don’t have a business formally set up. They approved my personal card by moving around some of my credit (had 21000 in avail credit thru the IHG and Marriott Card). You think they could do that again for the business card app?
Hi Darius,
You may have already answered this question. If so, I apologize. I just applied for both a personal and business SWA Visa. I’m waiting to learn whether I have been approved. Do you suggest making the phone call you described before receiving a rejection? In other words, should I call now before I know whether or not I have been approved or denied?
Oh, one other question. I am listing my “business” as being an independent contractor in education. I teach part time for several colleges. There are no contracts or benefits. Would this be considered a business?
Thank you!
Thanks so much for this advice. My husband applied for the personal SW card and was approved back in February. It is the first credit card solely in his name — the rest are in my name and he is the authorized user. We applied for the SW business card and were turned down on the phone because he doesn’t have sufficient credit history. He asked them for a low limit, but they said no – not at this time. They said they will need to see more credit history from him. I’m wondering how long we need to wait after consistently paying on his new personal card before he can apply again? Thank you so much! I’d just do it in my name, but then we’d lose our shot at the companion pass.
@Chris – I’ve been able to get them to move credit from personal to business cards, but sometimes it takes a few calls to get the right rep.
@Teresa – I prefer calling since it may take long for them to process your application. As long as you get paid, you likely may have a business teaching!
@Marla – I’d wait 3 to 6 months at least before reapplying. But you could call again, but if he just got his first card it could be tough to get approved.
You may want to note that the Chase business reconsideration line is apparently closed on weekends…
@Celeste - Good point and I made the change!
So I am having a hard time getting approved. they can see that I have applied for 9 cards in the last 9 months (3 of which are chase). They are not even willing to move credit from another card to open a new biz card. They are saying because I have so many inquiries they are not willing to open another account. I have called 3 times now and they all are agreeing. Anything I can do?
@Tyler – Perhaps lead the call by saying that you want to close your X card to get approved for Y card and aren’t looking for new credit. Good luck!
Do you need to file taxes on your business income (i.e. cash income) to qualify for a business card?
@Dustin – You usually aren’t asked for a tax return, though you sometimes may be asked for one.
I called biz line a day after applying ink bold to verify identity. They asked me questions about credit history. They said it would take 10-14 biz day for approval but my app had been submitted for review. Is this a rejection?
@How long? – They sometimes send it to a supervisor or fraud prevention department for another review. If they asked your questions about the business etc. and why you want the card and said that it is submitted for approval, you usually will get the card.
when i called back they said i could try calling back in a day or two for decision. This is strange. In the past i was put on hold for 10 minutes and approved or denied.
@How long? – Sometimes they can’t process your application immediately, and you have to call back.
Just wanted to let you know that I applied for the Ink Plus Business Card and got the “decision pending” notice but called the reconsideration line and was eventually approved. I read your script to prepare and I have to say that it was very accurate to what the call rep asked me (in some spots it was verbatim). The call rep did ask me more specific questions about what profits I’ve earned on the revenue I listed on the online application and also what profits I expect to earn in the future. I just thought on my feet and gave an answer (profit projections for a startup company are all total guesses in the business world anyways so this wasn’t a lie, just an educated guess). They did ask me to move some of the credit from my other Chase cards to my Ink Plus which I agreed to. And that was that. I got approved. Thanks for all of your useful info.
Darren: congrats! what was time interval between when u applied and when u called? Were you approved instantly once you called? Have you had any other chase cards? Thanks!
The agent said he had recommended that I get approval but that my app needed to be processed first. He said that if it got approved, they would expedite the delivery of the card. I wonder what other layer of processing he was referring to. I hadn’t encountered this before. I hope it’s as you said that it went to supervisor or fraud department. Will call back in a few days and keep you posted.
@Darren - You’re welcome and thanks for sharing!
@How long? – I’d guess that you will receive your card in about a week to 10 days.
Just called and was asked the same exact questions. They moved my credit line around from my personal cards and got approved instantly! Thanks!!
@Bryan – Congrats!
I was a little skeptical…but after finding out about the 50K mile Ink Bold card, I applied and then stumbled onto your page. I called using your script (actually I was worried that things would be held up because of ID theft last year and a fraud alert) but when I called they told me there was no fraud alert, and that my card had already been approved. They were also able to expedite my card delivery, and I’ll be able to start earning miles this weekend. So a big THANKS to you!
Just got it approved. I used your Ink Bold link for this application MMS! Will be shipped expediated. Thanks!
chip.e: with fraud alerts, i think they are only valid for 6 months unless you write to the bureaus to request that they be extended to 7 years. if you’ll be churning, its easier to do w/o a fraud alert. with a fraud alert in place, you always have to verify your identity before approval. there is no such thing as instant approval.
@chip e. – Congrats and thanks for sharing!
@How long - Thanks for using our link and for circling back with the results!
@Jon – Thanks! Don’t know how I missed this, but I updated the link.
@Joe – Yes, you can get the bonus on both the Ink Plus and the Ink Bold. I’d wait 3 to 6 months between applications. Good luck!
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Thanks for the walk through. I applied for the United explorer business and personal back in february and was automatically approved. Today I applied for the Chase Ink Plus and was told I’d hear back in 10 days.
I called the reconsideration line, the conversation went pretty similar to yours, I was asked why I wanted this when I had the other and I told them I would be traveling and wanted a card with no foreign transaction fees. They reduced some credit from my explorer business card and within 8 minutes I was approved.
@Stephen - Congrats and thanks for sharing!
Swing and miss…I applied for the CSP in the first week in April and got instantly approved, read your blog for the INK cards this week (3rd week in April) applied for INK Plus and got denied…….Called the reconsideration line was told that I had too many inquiries (CSP and Last month had to buy an SUV…new baby) and too short of a credit history (new to the miles game but used the same non-miles non-chase card for the last 8 years), too many charges to quickly on my CSP (met the 3k spend requirement in 3 weeks no manufactured spending)….FICO (after CSP and auto loan) 758 did I catch a CSR on a bad day or am I dead in the water?
@BrianD – An 8 year history is good, but since it isn’t with Chase they may be a bit vary. You could pay down the balance on the CSP and call again a few times and hope for a better rep. Good luck!
applied back in Feb/March, and was rejected with the statement that my credit card balance (DISC) was too high ($1.3k out of 1.5 k limit) and because my business was about a year old… I tried again later, and got the same message again and again. I did apply for the Chase Ink Cash… I was thinking of reapply in May/June under one of those “annual fee” Ink CC’s and then downgrading after a year or something (assuming i get accepted of course)… any thoughts?
oh a few things i forgot:
I’m a student, opened up a CC about 1 Yr. 8 months ago, my credit score is 768, and I’ve only had one credit card (since I’m a student)… i assume this is why i got rejected/
@Prema – Your credit utilization is very high. I’d use the card to charge something small each month and pay the balance in full each month. After a few months you should be able to get a personal Chase card (the Ink card is a business card) and then after a few months get the business card. Good luck!
I just did this exactly as suggested. We are a very established business. There were a number of pointed questions from the Chase rep. I ended up getting a good line I fully believe that this would not have happened if not for the call. Now this was the Chase Ink (charge card) We already had the Bold card with a lower line than this approval. If I did not call I think I would have been denied or a very small line.
@robert w – Congrats and glad it worked out! Calling does help get approved in almost all cases.
Another success story here. Followed your script verbatim and after they reduced my Sapphire credit line, they agreed to open my new Ink Bold Plus!
Your blog has been invaluable in my travel hacking journey. Wanted to let you know that I’ve been using your referral links as I sign of my gratitude for all the valuable information you’ve shared with your readers. Keep it up and more power!
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Your a genius! It worked!!!!
Great post. I found the instructions to be very helpful and was approved for a business card using your advice. Thanks!
@ramchand @Aaron @Jay - Congrats and thanks for sharing your success. Those are my favorite kinds of comments!