How to get approved for Chase Ink Business Credit Card!

[@KelvinMcNeil]

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[@thesurvivalist.]

It took 5 years for them to approve me for a Chase Business card. I have personal scores of a 806 Experian, a 821 Transunion, and a 793 Equifax. I applied for four cards last week and they gave me a 20k Ink card. Navy Federal gave me a 25k card out the box! Still waiting on U.S. Bank Business card, and Capital One Business Denied me

[@KelvinMcNeil]

It’s all about timing. Celebrate every win. 💯

[@_bazzmuhammad]

I opened a business checking account and was approved for this credit card at that time. This is my first business credit card. I'm feeling special getting approved on the first attempt. 😁

[@KelvinMcNeil]

As you should because that’s a major achievement!

[@_bazzmuhammad]

@@KelvinMcNeil, thank you!

[@creativevoice730]

Did you apply for the credit or did they send offer?

[@_bazzmuhammad]

@@creativevoice730, I applied for it at the time I opened my business checking account. I didn't receive an offer.

[@beverlyreid8321]

@@creativevoice730 So so so happy 😉😊 -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- After reading so many articles , reviews and suggestions I found out Mr Mark was really helping people get their scores right on excellent so I also hired him and today I'm now having 800s on all bureaus with my negatives removed totally . Thanks to CREDITPATCHUP.COM.

[@martysmith4789]

I was lucky to get approved for a chase business checking account as a new business because I have been a chase customer for a few years!

[@TheArtofKAS]

Same. Have to thank my mother for being proactive with helping me set up when I was younger

[@alexsebastian4669]

This is the first honest video I have found in KZbin, all these other people they paint it so easy to have this card but this guy was crystal clear and honest in my opinion. Thumbs up 👍

[@KelvinMcNeil]

Thanks for watching Alex!

[@steve_rogers_usmc1990]

Def call the recon line if you get the dreaded 7/10-day denial and DO NOT just go with what the first rep says. Ask to speak to an underwriter/someone from the lending team. This is who any/all recon's have to go to anyway when the first rep places you on hold. Chase is heavy into banking relationships and are awesome when they know you and your financial situation.

[@michaeljames9292]

I just watch youe video (Jan. 10.2023). Man, I have done everything you said for my business and applied for the Chase Ink business Unlimited Card online. They did exactly what you said. They sent me an email saying they are considering my application and this could take 30 days. So i called the RECONSIDERATION line and they APPROVED ME.... $9000... tHEY SAID when I get the card I call back for a credit increase! Do you havde any advise on credit increases with Chase??? 🙂

[@KelvinMcNeil]

Spend wisely. Use your card frequently, then pay off the full balance every month. After a few months they’ll automatically raise your limit. No late payments.

[@michaeljames9292]

@@KelvinMcNeil thank u man, blessings to u - - keep feeding us🙌🙂

[@KelvinMcNeil]

@@michaeljames9292 you’re welcome & thanks for subscribing

[@KelvinMcNeil]

@@michaeljames9292 love your picture by the way. Yes, God is good indeed. 💯🙏🏾

[@michaeljames9292]

@@KelvinMcNeil They just increased my card to $15,000 😃

[@empirewealthceo3428]

I just got 2 chase business accounts.......... needed this

[@michaeldowning7094]

I been with Chase for 8+ years and I have 1 year of 100% payment history with my personal Freedom Flex, Sapphire Preferred, and Amazon Prime. I have 6 personal cards so that puts me over 5/24 but I'm thinking of opening the business account and check for a pre approval.

[@KelvinMcNeil]

Michael, I'm sure opening a Business checking or savings with Chase will only help. Once the 5/24 rule is no longer a factor for you, make sure your other cards haven't shown high balances on your credit report for 2 consecutive months when you apply to maximize your odds for approval.

[@taylorburnett8299]

I applied for other business cards and got denied capital one, discover ect.. . I tried the ink and was approved right away. Im sure it had a lot to do with my good personal credit and my relationship on the personal side of chase.

[@KelvinMcNeil]

Yes, I agree. Banking relationships matter! This is a great example of that. Thanks for sharing and congratulations on the approval! Trust me, you don’t want a business credit card with Capital One or Discover because they are the only ones that report to your personal credit report so you actually dodged a bullet. 💯

[@dremetlock1635]

Gems just keep coming. I haven't had my business established long enough for this card but very insightful stuff.

[@KelvinMcNeil]

Its okay, at least you have an idea of what's out there. This card should be a milestone for you.

[@dremetlock1635]

Update I switch my business account from Navy Federal to Chase and got approve for the Chase Business Ink Unlimited card

[@leemcmullan]

@@dremetlock1635 same!!

[@kissy0k8]

@@dremetlock1635 oh, wow. I am glad I saw this comment. I am a brand new business - less than a month - and I have been trying to decide btwn Navy Federal or Chase. It looks like I should go with Chase if I have aspirations for this card. Thanks for saying this!

[@dremetlock1635]

@kissy0k8 Thank you... I'm glad this comment was helpful. You will love the Chase card. I just got a $2500 increase after having the card for 3 months

[@CAPITAL_KB]

I've had Chase since it was Washington Mutual, so it's been more than 20 years. I have multiple accounts and a credit score of 780, 2 credit cards with a 9-year history with Chase, no balance, and a brokerage account. Hopefully, I get this card. I currently have a Navy Federal byssiness account, which was fairly easy to get, but I hear Chase is the big boss. Edit: 22 minutes later I got approved 😂. Just opened my mail. 😊

[@KelvinMcNeil]

Congrats on the approval!

[@tonyascreativespace3067]

I got a letter of preapproval for my business...im going to call them! Thank you so much!❤

[@RobertoRaymon]

Why is the Unlimited card better than the other 2? I just opened my business account with them yesterday and they told me I was pre-approved for a business credit card (which was weird because we hadn't even finished opening the account yet lol) but I chose the Business preferred card because it had 3X points for stuff I know I will do a LOT... - Shipping purchases - Social media and search engine advertising purchases - Internet, cable and phone services - Travel They gave me $17,000, but now you got me thinking I chose the wrong card! 🤣🤣

[@ANTHONY46015]

Thank you thank you. I just applied for the chase ink card and was approved right after I pressed submit. Thank you again 🙌🏾

[@KelvinMcNeil]

Congratulations!! 💪🏾💪🏾💪🏾

[@danielhadgu2476]

Me too. What was your limit? What’s your plan with the card?

[@ANTHONY46015]

15k. The is to use it for business and purchases that I would use cash for

[@kelabruner8461]

Did you have all the qualifications mentioned????

[@ANTHONY46015]

@@kelabruner8461 yes. My business was 4yrs old, my personal credit was excellent, I have a business account with them,plus they kept sending me pre-approval letters

[@Major_Pipps]

I gave you a like just for the intro man...

[@ChocolateBeaute2]

I’ve gotten a few invites to apply in the last few weeks I think I’ll shoot my shot :) thank you ☺️

[@KelvinMcNeil]

“You miss 100% percent of the shots you don’t take”

[@DrDavidjohn]

Thank you I was able to use your tips and called after my application was declined and get Approved for a credit card

[@KelvinMcNeil]

Major win! Congratulations 👏🏾👏🏾👏🏾

[@DrDavidjohn]

Thank you to you, Me and many accepted the denial letter as is and we do not take action or investigate, as they told me in the reconsideration line some of this comes from a system that me not validate your info correctly or miss part of it, so it is always good to call, and this comes from your advice

[@KelvinMcNeil]

@@DrDavidjohn yessir! Glad it worked out. Many have no idea you can do this.

[@sdehomesllc3768]

Wow bro, you be on it. I just got two offers to apply for this card in the mail within this past week. I’ll give it a go!

[@KelvinMcNeil]

Nice! Get that approval my man 💯

[@kelabruner8461]

Curious SDE Homes... we're you approved? Did you meet all qualification that Kelvin mentioned in video????

[@Ayee81]

I really appreciate your videos. I just got approved for the Business Unlimited using one of the invitations. It took 10 days for them to review. My scores are in the 640s. I do have business checking and savings with Chase and my business is profitable.

[@KelvinMcNeil]

Congratulations! Thanks for sharing. Your approval is further proof that underwriters take into consideration your relationship with the creditor. You were able to leverage your tenure with Chase for an approval. 🙌🏾

[@marlonhosten4693]

Very Insightful Video !

[@1illone]

Good stuff bro.... helped tremendously.... keep that momentum going 💪🏾

[@fishingsouls4christceoofgi614]

Thankyou! Much greatly appreciate your time and attention

[@taushajacksonlmt9081]

I got my card during the Summer, Chase is one of the Largest Banks so yeah it's an Elite CC to have for your Business

[@pencilheadfamily19]

Thanks you! 🏆

[@KelvinMcNeil]

You’re welcome!

[@ajchappelle4247]

Dogg this was very helpful, although I did get a pre approval from them last year, for dusiness cc, but I did not have proof of my Ein, now I have it, but score drop some, should I apply any ways?

[@KelvinMcNeil]

Pre-approvals are only good for 30 days because it’s based on a specific credit report. If you meet the preferred requirements mentioned in this video, you should apply. If not, keep working on the areas of improvement

[@RachelMcNeil]

Appreciate the information as always a great source to get information that other people charge for

[@KelvinMcNeil]

You’re welcome! Each-one-teach-one 🙌🏾

[@selfpaidking9196]

I've been wanting this card for a while now. I think I'll wait for the pre-approval offer because I already have a Chase card. Thanks for the insight!

[@KelvinMcNeil]

Always a great idea. Your patience will be rewarded. 💯

[@professorkrane3658]

You may want to hold off. There is talk about a new Chase Business Card. It's Going to be a Charge Card competing with the Amex Platinum & Gold.

[@ItsShayy]

Thats what I did, I just received my offer letter

[@ignitedfist8207]

Hi I received a personalized Email from Chase with a pre-approval offer the 20th but my score is at 630 only and I need to apply by the 25th. You think I should apply? Thank you.

[@KelvinMcNeil]

@@ignitedfist8207 do you have a strong business credit profile?

[@andrewypil8749]

Great Video thanks

[@fivegeeztv998]

I opened account in august ‘21. (Was denied for ink cash) Applied again last week (after being sent email to apply) and was denied again. Called reconsideration line. Answered questions and was approved for low limit of 3K. Will work on being responsible, building business credit and apply for ink cash in at least 6 months. These type of videos help.

[@KelvinMcNeil]

Congratulations man! Glad the reconsideration line worked in your favor. This is an example of how having an existing relationship with Chase can be an advantage.

[@stevearrico3448]

Thanks again Kelvin. Always trying to improve my positions.

[@KelvinMcNeil]

You’re welcome & thanks for watching Steve!

[@SuperLos35]

I wish you would've said it will result in a hard inquiry on my personal credit

[@KelvinMcNeil]

All major credit cards like Chase, AMEX etc. are hard pull because your approval is credit dependent as mentioned in the video. If it’s a soft pull I’ll always put emphasis on it being soft pull or no PG. However, in this video I put heavy emphasis on the fact that all Chase applications are prioritized around your credit scores & profile.

[@markanthony5965]

Sherry Buckley got info on how to get those removed sista.

[@davidhastings2603]

Excellent Presentation 🙂💯💯💯💯💯💯

[@wandarichardson5222]

Thank you❗️

[@ShwanaSuiter]

Just got approved for this card. I had a 711 Experian with 47% utilization across all cards.

[@KelvinMcNeil]

Congratulations Shwana! 🙌🏾🙌🏾🙌🏾

[@uver7547]

Kelvin, Im very new to business credit but been following your tips!! NAV recommends some different cards for my business and I am doing very well on my personal credit (finally broke into the “excellent” range.. anyway got a pre approved offer for a chase Ink card but I don’t even have a paydex score yet from d&b for lack of enough reporting accounts. However I do have a 84 Experian score. I also have no “relationship” with chase. Should I apply since I got the pre approved offer or wait it out and go with another card and potentially get that paydex score generated? Love your videos !

[@dwighttaylor5107]

Awesome information.

[@secretchipmunk7]

thanks. I was just deciding if apply now with 660 and 5 accts reporting on business report.... or wait 2 weeks with 740? fico. I'm just going to wait. do they care about 5/24 with business credit card? I think if they pull Experian or EQ I'm good. 0 inquiries. TU is nuts 21. aiming to remove 13 more so I'll be at 8 in 2 yrs but 2 in year.

[@email4adil]

Capital one business credit cards are not good. It impacts on your personal credit report every month. It also does not report your business credit to "Dun And Bradstreet" since March 2022.

[@KelvinMcNeil]

Agreed. I never recommend the Capital One Spark Card which is why you’ve never seen me make a video on it. You’re right, it reports to your personal which defeats the purpose of a business credit card.

[@KelvinMcNeil]

However if you have a Spark card you could pay to have it reported to your business profile via eCredable.

[@NessaJ777]

I wanted to go for chase for my business bank account but they want a minimum of 2000 in the account (from what I’ve seen from another video)

[@toddhickox4757]

Great info !! 👍

[@DreamFirms]

Helpful tips man!

[@KelvinMcNeil]

Glad you think so! Thanks for watching

[@beverlyreid8321]

So so so happy 😉😊 -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- After reading so many articles , reviews and suggestions I found out Mr Mark was really helping people get their scores right on excellent so I also hired him and today I'm now having 800s on all bureaus with my negatives removed totally . Thanks to CREDITPATCHUP.COM.

[@4thekulture616]

I was approved but with a smack in the face credit line. 3k. I have over 750 personal credit score. 2% utilization rate. High credit line cards. Solid business credit profile. I have a personal chase checking acct so u have a chase relationship. With this low credit line, I can’t even take advantage of the offer. Spend 7500 in 3 months and get $750. I’m not even gonna activate this card, I’m so disappointed. I’ll stick with NF where I get RESPECT

[@KelvinMcNeil]

With all due respect you’re looking at this all wrong. Everything you just mentioned is based on you not your business. Your personal credit helped you get approved but your business profile is what dictates your RCL (recommended credit limit). You have to continue strengthening your business credit for higher limits. Everything you mentioned is irrelevant in relation to the credit limit you receive on business credit cards.

[@KelvinMcNeil]

Not to mention Chase is known for very generous credit limit increases. Trust me, you want to activate this card. Not doing so would be the true slap in the face to the thousands of people who can’t have it.

[@4thekulture616]

@@KelvinMcNeil that’s interesting. A couple days later I applied for the Amex blue business cash card. Got approved for 20k. Same business profile

[@KelvinMcNeil]

@@4thekulture616 the AMEX Blue & Chase Ink have two completely different requirements. The blue is an intro card for AMEX business lineup. There is no intro Chase Ink card. You’re either approved or have work to do.

[@4thekulture616]

@@KelvinMcNeil 20k on an intro is love. Even more love than navy federal on the personal side. If that’s that intro, I can’t wait to see what I’m offered after being with them for awhile

[@Drogos79]

My business advisor at local Chase says it's only soft pull PG for Business CC. Thoughts ?

[@joeespinoza2964]

I have applied for this card for my business....but they denied me due to a bankruptcy 6 years ago...but my business credit is good...🤷‍♂️

[@KelvinMcNeil]

Sorry, to hear that. Yeah, Chase leans more on your consumer credit report than business however, I would continue to beef up your business credit and try again in 60 days OR call the reconsideration line!

[@charismatic_kev]

Great content! I recieved a invitation letter to call to apply for the chase ink unlimited credit card. I have my LLC set up with a virtual office, business checking account opened for the past few months, dunns number and ein. Is there anything else I would need to increase my approval chances? Thanks in advance

[@KelvinMcNeil]

Watch this video to make sure all your T’s are crossed and I’s dotted: kzbin.info/www/bejne/m6rHaauZhb9oia8

[@maritestaylor8458]

So fab thanks.

[@missbnatural4384]

I was sent a invite. But don’t have any other accounts with them

[@GreenEyes-no7zb]

my brother. how often I can apply to get all 3 cards

[@rickyjohnson534]

Approved for 7k.. Thanks

[@KelvinMcNeil]

Congrats!! 💪🏾

[@KelvinMcNeil]

According to NAV.com all Chase Business Credit Cards report to D&B, Experian, Equifax, and CreditSafe. 😌

[@MakeupDivaMesha]

My people stay away from sole proprietor you need to aim for llc or Inc

[@KelvinMcNeil]

@@MakeupDivaMesha to each is owned. As long as you’ve formed an entity, you’re good.

[@alterb4764]

@@KelvinMcNeil I have a high limit with chase and amex some bs 2k with 2 cards cause I'm in New business any tips on how to go from here to advance fast with high limits ? Thank you in advance

[@KelvinMcNeil]

@@alterb4764 I would need more details to know where “here” is. Otherwise, my advice on getting approved for Chase Ink is included in the video.

[@theyknowking]

I literally just got an invitation letter today to apply for this card. I have now had my Chase business checking account for 1 year, and I have 2 net 30 accounts reporting my business credit. However, despite working hard on my personal credit I still haven't reached 680. Still around 620 and because of this I don't know if I should apply even with the invitation letter. I think I can get to 680 in the next 6 months so I may wait until then. Good content my guy. I appreciate the knowledge.

[@scottsellers8967]

In your experience, how many trade lines with balances paid off should you have on your Experian Business Credit report before you apply? Did you have to PG? I understand it's best to have 80 score on the business credit report.

[@KelvinMcNeil]

I was referring to personal trade-lines. That’s what they were referring to when I was denied the 1st time I applied. And yes, this card like most major business credit cards require you to PG.

[@timyawalton688]

Hey great Video! I’ve gotten a invitation to apply for this card already but I carry balances on my personal credit cards. Should I still go for it since they sent it to me or should I try to pay down my balances first before I apply?

[@KelvinMcNeil]

It depends how high the utilizations are. If the balances are low you should be fine. If not you should wait until none of your cards have a high balance and give it time to update on your credit reports.

[@timyawalton688]

@@KelvinMcNeil okay! Will do! Thanks for replying!

[@timyawalton688]

I got approved first time applying. Applied with invitation for unlimited card. Pulled Transunion but they also tried pulling experian but I had it locked! First try! So happy I got in! No other accounts with chase. Thanks again for your video.

[@JeremiahBrewer00]

Excellent video " For FREE! ' hahahaha

[@pencilheadfamily19]

Thanks you sir!

[@KelvinMcNeil]

No, thank you for watching & subscribing!

[@millerzionZ3]

I got 2 pre approval letter but I’m still kind scared to apply

[@KelvinMcNeil]

As long as nothing major has changed on your credit report and you apply before the offer expires, with the invitation code you should be good.

[@millerzionZ3]

Thank you

[@dante009.5]

My brotha!!! Alright, so I've followed your steps and gotten that 80 payday, so much appreciated w those gems! That being said what now? haha Ive had a couple grand in my chase account for a few months....am I ready to apply for funding through Chase using my Paydax? Thank you for your helping all us!

[@KelvinMcNeil]

Chase is gonna be more about your personal scores than business. Your business credit will act more as icing on the cake but FICO scores and everything mentioned in this video will be the majority of it. Since you have a relationship with them already.. If your FICO scores are above 700 I would say you’re in Prime position to apply.

[@KelvinMcNeil]

Congratulations on the 80 Paydex my friend! Now you just have to make sure your Intelliscore & Equifax scores improve too. As well as understanding the other D&B ratings etc. The 80 Paydex is the easiest part. The rest takes strategy & awareness.

[@larryhill5895]

Hi: My question/statement is I feel credit stuck. My credit score in the past 2 months has jump 100 points, due to the fact, of collections dropping off after, 6yrs and some months. My score is 723, I have one secured credit card, $600, in February 2022 it will make a year. I'm afraid to apply for additional Credit cards, because of the hard pull that makes , the score go down. Thinking I"ll wait to February, 2022, I'll have a year, and my score may go up more. Just not sure what to do here, I've been waiting for 6yrs for the drop off from my score to go up. what do you suggest please to increase my score? Thank you very kindly for your response!

[@KelvinMcNeil]

You’ll want to take advantage of the fact that AMEX only gives you 1 inquiry for any application within 24 hours with AMEX. So whenever you do apply, try more than one AMEX card.

[@nimaidj108]

Can you get both sign up bonuses for the ink card and sapphire card within the 2/30 rule?

[@lovemedicare]

Great Video Kelvin. Does the Chase 5/24 rule apply to their INK cards?

[@KelvinMcNeil]

Yes, Chase has a 5/24 rule. Great question! Thank for watching!

[@zouhir9468]

Doesn’t apply to business credit cards, maybe i am wrong

[@KelvinMcNeil]

@@zouhir9468 it does. Not all business cards but all Chase cards.

[@tonyascreativespace3067]

I wish i saw this video yesterday. I got rejected ...and i got a hard pull on my credit report! I so mad!😡

[@jerseyfinest7152]

Dam that freakin sucks!

[@tonyascreativespace3067]

@@jerseyfinest7152 I'm going to try and get it removed

[@kelvinmcneildesignerdsoapb6144]

@@tonyascreativespace3067 its fine you can write me via mail on this mail name for more asistance thanks

[@lmorris249]

I got an invitation for Chase Ink for my business. Is this the same as a pre-approval?

[@KelvinMcNeil]

It means that you’ve been pre-qualified yes and as long as you apply before the offer expires & nothing major has changed you’ll get approved.

[@412foto]

do you have to be under 5/24 to get one of their business cards? I am at 4/24 and will be getting Preferred personal card in April putting me at 5/24

[@KelvinMcNeil]

Yes, with Chase & AMEX the 5/24 rule applies.

[@RFBM]

Man this is the only card I can’t get that I want!! 🤦🏾‍♂️ First applied for it 2020 and they denied me. Tried the reconsideration line and they asked me a couple questions which I thought was going well until they saw I received an EIDL grant. - Next year thought I had some wiggle room. Then they told me I had too many new accounts. - Next year they sent me 3 or 4 mailed promos of the card & by this time I didn’t think much of it. I applied for a third time! Still declined. I have a Chase Checking account, Chase Freedom Unlimited & Chase Sapphire Preferred. Ended up getting some AMEX business cards. I give up at this point. 😒

[@KelvinMcNeil]

Wow. You definitely want to read that letter or email they’re required to send you within 30 days. It will state the reasons why you were denied but everything you mentioned are common reasons credit cards may deny you. But you have to be strategic when it comes to Chase because it’s like Fort Knox. When I was finally approved it was during a time where I had not appled for any credit cards and well over six months. I also didn’t have any new accounts on my personal credit report so I’m thinking you may have to wait until you have no new accounts within six months or so.

[@RFBM]

@@KelvinMcNeil Yea man. I think I’ll give it a final try next year since I ended up applying for different cards since I didn’t get approved. (Which ironically makes my credit age younger and it gets me to that 5/24). Gawddd what a struggle

[@KelvinMcNeil]

@@RFBM gotta take the wins with the loses. Sounds like to me you’re winning. 💪🏾

[@RFBM]

@@KelvinMcNeil For sure bro. Keep up the good content 🙏🏾

[@dogman807]

What about buying fuel . Using ink business unlimited. I buy $2,000 a week in diesel ⛽️.

[@KelvinMcNeil]

Sure, you can buy fuel with a Chase Business Credit Card no problem.

[@KelvinMcNeil]

However, it would probably make more sense to get a business credit fuel card instead to save on diesel.

[@dogman807]

@@KelvinMcNeil what card would you recommend.

[@KelvinMcNeil]

@@dogman807 made a whole video about my recommendations. Check it out kzbin.info/www/bejne/joKtdWigi6yVY80

[@TheRenaissanceAmazon]

Does the 5/24 rule apply to the Chase Business Cards?

[@KelvinMcNeil]

Yes it does.

[@erisskelton4832]

Thank you

[@KelvinMcNeil]

No problem! Thanks for watching

[@kakrot9516]

I just got approved how much is unlimited?? Still waiting for card.. can i spend 25k on it on business??

[@KelvinMcNeil]

Congratulations on the approval! It’s a business credit card so you can use however much you were approved for.. on your business.

[@SuperLeonard7]

Do you need to have established history of tier 1 & 2 business vendor cards before applying for this ? I get their pre approval offers all the time but, never appy.

[@KelvinMcNeil]

Having prior established credit will certainly help but if you have excellent credit and your business isn’t brand new you could still be approved with the approval code from that letter.

[@klyangreen7260]

I opened a business checking they told me I was not pre approved I applied anyway and got approved.

[@SuperJonmurr]

Which card did you apply for the unlimited or the business cash?

[@yandel559]

Did you have any revenue?

[@klyangreen7260]

@@yandel559 No revenue brand new business $100 in checking account

[@klyangreen7260]

@@SuperJonmurr Business cash

[@SAM46323]

what is ein number that you mentioned ? im ebay seller and idk what is that

[@KelvinMcNeil]

It’s your the number used by the IRS to identify your business. You need to have a legit business to get this card. Watch this video to learn more about what’s required to qualify for business credit: kzbin.info/www/bejne/m6rHaauZhb9oia8

[@mervinsecure1cambricsecure957]

I've been strategizing to get this card for a long time and had everything you mentioned, the only thing that's a little bit off is my dun & Bradstreet is 78 but my Experian business credit score is 98. My partner's personal fico is 800. Been bank gardening with $5,000 in the account for months. Still got denied for the Chase Inc business preferred. And that was with the invitation number that they sent me in the mail. The only thing I haven't tried yet was reconsideration. Maybe it was a mistake?

[@KelvinMcNeil]

I would absolutely recommend calling the recommendation line asap. If that doesn’t work, I’m guessing there may be some mismatched data on the business credit causing it the denial. They’re required by law to give you a letter with the reasons for denial.

[@fivegeeztv998]

Call reconsideration to explain and sell yourself. You should be able to get approved with answering the questions to their satisfaction

[@michaelbaksh4942]

If you have above a 720 but a low limit and your business is new, fully registered and digitally findable, but new, would this disqualify you? Taking into consideration I'm opening a business checking with them.

[@KelvinMcNeil]

No, it wouldn’t disqualify you but late payments, recent collections, or high number of recent inquiries would.

[@blu3ch3w57]

If you got two new accounts in the last two months will they deny you even with a 750 score?????

[@KelvinMcNeil]

It’s possible. I would recommend waiting until those accounts are both at least 90 days old.

[@JoseTorres-ed1uk]

What bureau they report?

[@KelvinMcNeil]

Did you watch the video? All 3.

[@fabianmeneses6840]

If I had a 770 personal credit score , I had an eBay store that has been making profit over the last four years and I have had all my eBay deposits directly deposited to my chase personal account for the last four years, could I apply for this credit card? If not what would I need to beyond that? Thanks

[@KelvinMcNeil]

Having the personal checking account with Chase will help but you would need a legitimate business & meet other qualifications mentioned in this video to truly have the best shot at being approved.

[@iinrodwetrust]

Just received an offer for my first business CC (chase ink unlimited). My business was setup in August and as of now it’s not cash flowing much (5k since opening). I’ve been rebuilding my personal side. Should I call in and apply using the invitation number, should I PG knowing I’m in the low 600’s, or should I apply for something better on the chase side. I’m new to this so any advice would be helpful

[@KelvinMcNeil]

All Chase Business credit cards require PG. There’s no way around it. However, I wouldn’t recommend applying until your FICO scores are a min. 680. You may be better off starting with Divvy or Capital on Tap (links are in the description of this video).

[@iinrodwetrust]

@@KelvinMcNeil thanks man!

[@trevey16]

Do it pull from yo personal credit even if u put yo EIN?

[@KelvinMcNeil]

Yes, PG is required.

[@ikevinivory]

What if you don't have any business credit but you are getting offers for chase business unlimited

[@KelvinMcNeil]

I would only recommend applying if your business is set up properly. & your FICO scores are in the mid 700 range. Without having any business credit your personal will have to be excellent.

[@jeanninebuford402]

I just got an invitation letter in the mail for my business but my personal scores right now are only in the mid 500s so I doubt if I will get approved. Does anyone know what credit report they pull?

[@KelvinMcNeil]

They check Equifax & Experian but yeah, you’re gonna need to wait and focus on improving your personal credit scores first. Get it up to the high 600s at minimum but the goal should be 700+ FICO scores.

[@reinamacaren-a4132]

They sent me 2 pre-approval letters for some reason. I want to apply but I'm scurrred because I don't have business credit and I have average credit 😨

[@KelvinMcNeil]

Do you have accounts with Chase?

[@reinamacaren-a4132]

@@KelvinMcNeil Yes checking. Set my business up in dec 2020 but haven't done anything. Im going to apply for a lot of soft pull business credit cards 2nite

[@dannypaxton5787]

If I’ve had a business for two years now(1rst year was DBA account and 2nd being an s Corp) and I just received an offer in the mail for the ink unlimited, does this mean I’ve got a good chance of being approved since they reached out to me?

[@KelvinMcNeil]

It means they liked what they saw on a recent credit report. As long as you haven’t applied for a bunch of new credit recently or your credit scores have dropped over the past 60 days, you should apply using the invitation code featured in the letter.

[@dannypaxton5787]

@@KelvinMcNeil Thank you so much for the lightning fast response! I appreciate the knowledge and it certainly answered my question. I will apply with them immediately. I appreciate you man!

[@KelvinMcNeil]

@@dannypaxton5787 no problem! Thanks for watching Danny

[@dajoremarks9137]

I have gotten a pre approval letter for the business preferred card is that better for approval odds

[@KelvinMcNeil]

Yes, as long as you apply before the offer letter expires.

[@dajoremarks9137]

@@KelvinMcNeil yea they denied me lol my PG just took a hit recently

[@KelvinMcNeil]

@@dajoremarks9137 sorry to hear that. Yeah, if anything has changed from the time they sent you the letter to when you apply, it can still lead to a denial but that’s alright. You’ll get your approval in due time. Took me 3 tries. 💯

[@Knowmoneyknowlife]

I have a chase business ink card for one business. But my credit score is now 652 at the moment after a credit line for a business was done under me and my partners personal which dropped us 60-70 points each. I have two business checking accounts with them and a personal account. I have an invitation for a business card for the company where I don’t have a partner. I was denied before my ding on my personal credit but I received the invitation this week. Is the invitation different from the pre-approval ?

[@KelvinMcNeil]

It’s an invitation to apply based on previous credit information. So it’s technically a pre-qualification not pre-approval.

[@Knowmoneyknowlife]

@@KelvinMcNeil thank you, I’ve decided to wait as my credit increases back over 700 in 10-18 months to apply for anything since I am already in the middle a home refinance.

[@KelvinMcNeil]

@@Knowmoneyknowlife okay great! Sorry for the delay. Also, FYI I could also help with the refi if you would like. I’m a licensed mortgage loan originator.. it’s what I do. 😉

[@HarlemHoney-qp4oc]

Can I get this card as a sole proprietor right

[@KelvinMcNeil]

Yes, if your business is set up properly.

[@speedlife301]

Pre approval or invite ?

[@KelvinMcNeil]

They’re multiple letter types. You’ll need to read your letter to determine the type of invitation you’ve received.

[@DariTrinidad]

What credit score is needed to PG?

[@KelvinMcNeil]

This card requires a PG no matter what.

[@DariTrinidad]

@@KelvinMcNeil what is the minimum score needed ?

[@KelvinMcNeil]

@@DariTrinidad no one knows the exact number but from my experience, I would say minimum 680 FICO score on all 3 bureaus & > 700 is preferred as mentioned in the video.

[@MarcAugustine]

hey brother..can I interview you on my channel?

[@explosivo631ny]

So can you apply for business cards if you not 5/24 eligible

[@KelvinMcNeil]

This specific business card does follow the 5/24 rule so use your best judgement when applying for Chase and other major business credit cards.

[@kelabruner8461]

I received a pre-approval letter offer and I don't yet have a payday score, but I'm working on it. Personal credit is 720. Don't have relationship with Chase. Curious why I got a pre - approval letter 🤔

[@BryNKinks]

Im hoping this will be the same case for me

[@alexusterry4442]

Same thing happened to me, but I have a paydex score. I haven’t applied yet because I feel they’re just sending them out to businesses just because.

[@kelabruner8461]

@@alexusterry4442 I don't think they are sending out to just any biz...I didn't realize but I did have an 80 paydex and I did end up applying and was approved for the card...20k. Good luck!

[@alexusterry4442]

@@kelabruner8461 congratulations that's awesome, may I ask how many inquiries you had on your Experian profile?

[@kelabruner8461]

@@alexusterry4442 honestly I don't recall specifically, but likely like 2 maybe 🤔

[@HailRell-lf1xs]

U the coldest. #Getder

[@bernicedejesus2179]

Hey Kelvin, question? I received an offer for the Chase ink Business card and a invitation number, is that the same as a pre approved letter?

[@KelvinMcNeil]

Yes, this is the letter I was referring to.

[@ducksauce6679]

You forgot to mention the most crucial factor with Chase = 5/24

[@KelvinMcNeil]

I’ll be covering the 5/24 rule in an upcoming video.

[@Xstevenn]

yo boy just got approved on the fly lol

[@KelvinMcNeil]

Aayyyyee! Congratulations Steven

[@brandtcarroll9316]

Gimme a chicken sandwich, and some waffle fries...FO FREE!

[@Chana-Channel125]

Hi, thank you for sharing, I am an AU for personal card but later applied for business ink. My credit is already good. I unfreeze my experian, but after submitting it, it didn't say denied, but need to review it and might send it through email for more info on documents they may need. I was also thinking of applying for my own personal chase card and open my chase business actt. My freind have chase business acct she refer Chase Business acct it have sub accts which I prefer. I was not sure or think am new to the business. should I call for reconsider or ask more info why?

[@KelvinMcNeil]

Yes, calling the reconsideration line wouldn’t hurt. Simply call and tell them that your application is under review and ask if there’s any questions that you can answer.

[@akee3485]

Does this still work?

[@KelvinMcNeil]

Does what still work?

[@akee3485]

@@KelvinMcNeil Never mind..... awesome video keep up the good work!

[@michellelester3370]

I have been receiving letters from Chase inviting me to apply for the Ink business credit card.. An invitation is not the same as a pre approval correct? Invitation letters to apply have been coming in the mail weekly..

[@KelvinMcNeil]

Yes, the invitation letter is the pre-approval. If they’re sending you one weekly, I would apply! But make sure you use the invitation number listed on the letter to get 0% APR for the 1st 12 months.

[@michellelester3370]

@@KelvinMcNeil ok thank you

[@kelabruner8461]

@Michelle Lester... can you provide an update please. Were you approved? Did you meet all the qualifications that Kelvin mentioned in video??

[@Drogos79]

so no way to get this without actual Business credit history ?

[@KelvinMcNeil]

Only way I see that happening is if your business is several years old and you have excellent personal credit because this is a business credit card.

[@Drogos79]

@@KelvinMcNeil check on both. If denied, how hard would it be to remove inquiry?

[@KelvinMcNeil]

@@Drogos79 not too hard.

[@erikabatiste8251]

If you've been denied can you reapply?

[@KelvinMcNeil]

Yes, after 60 days.

[@erikabatiste8251]

@@KelvinMcNeil thank you!