*WATCH ME APPLY* IHG Premier Business Credit Card!

[@MarkReese]

🎉 *UPDATE 7.11.2022:* APPROVED for the IHG Rewards Premier Business Credit Card today! 😄🎉 The application was initially pending since last Friday (7.08.2022), so roughly 2 business days of wait time. I logged into my Chase account just now and saw the card w/ a limit of $10,000! Also, no credit needed to be moved from other cards, so this is a net gain 🙌

[@tareqalahmed]

Hi mark Got the ihg premier with 50000 points bonus instead of 140000+ free night, I've opend case with chase and after reviewing they stick with the 50000 offer I'm thinking of closing the credit card since i haven't use it yet and maybe applying again after one month. Do you think that will effect my relationship with chase

[@MarkReese]

@@tareqalahmed - Bummer. I doubt it would effect your overall relationship with Chase in a negative way, but: (a) it will result in another hard inquiry (b) if you get approved it'll count as another card against 5/24 - that's because closed accounts in the past 24 months still count, and (c) there's a risk of getting denied, then you may not have an IHG card for awhile.

[@tareqalahmed]

Thank you man i appreciate the response, i guess if this is the case I'm just gonna keep it

[@LogosBKC]

@@tareqalahmed When did you originally apply? was it before or after they made the offer of 140k? Did you not apply for the card with a coupon, or web link directly offering the 140k? This seems like an unfortunate result but I'm just wondering how they justified the verdict of the 50k. Sorry to hear the result brother. Still a decent bonus nonetheless.

[@Xtremeproducts]

Is it just me or I’m more nervous whenever Mark does a “watch me apply” videos.

[@MarkReese]

😂

[@Xtremeproducts]

@@MarkReese it’s nerve racking

[@zenster1097]

@@MarkReese Yeah you're so laissez-faire about it. I guess that comes with doing this so much.

[@CalrosACJ55]

I feel like the application videos have been dropping so frequently that it there’s a denial lurking somewhere🤣. You should make a cc journey video with all your credit cards or at lease since you last made a video like that 🤓

[@johnmckinstry6057]

Hi Mark, I think you have a very good chance at getting approved for the card. The only two things that I could think of that might result in your application being denied is the amount of credit that you have with Chase is all that they’re willing to extend to you and possibly the number of inquiries. However, you could move credit from some of your existing cards in order to open the new card. They may also be willing to overlook the number of inquiries in a reconsideration call. I was just approved for the personal version of this card on May 18 and it’s my second card with Chase. My approval was not instant, either. However, literally seconds after I got the message “in review”, I got an email saying that I was approved. I honestly thought I would have to move some of my credit line from my other Chase card (Freedom Flex) to open the IHG card based on the amount of credit I have with other issuers, but it was not the case with me. Now I’m pretty confident that I can easily get a third Chase card later this year when I fall back under 5/24. I’m considering the Freedom Unlimited for the 5% back on gas for the first year.

[@MarkReese]

Good points above, John, and congrats on your approval for the personal IHG Premier! 💯

[@royzeus9969]

Awesome video. That’s why I watch. Because you are real with real out comes. Nothing staged. Well done. I hope you get approved.

[@MarkReese]

Thank you, Roy! 💯

[@anthonyblack9906]

I'm not talking to you anymore because of your superbowl like cabinet open reveals LOL good stuff

[@MarkReese]

😂

[@TheCreditFrog]

👑 Mark: Giving "sock-drawering" a card a whole new meaning by hiding his credit cards randomly around his kitchen 🤣. What a legend! Hope you get this one, but I dunno, that's a lot of hard inquiries, and I think Chase pulls from Experian, which is where you have the most of them. They can't deny you, though, that would anger a lot of people - including me! Good luck!

[@MarkReese]

Haha a credit card scavenger hunt was needed 😂👌

[@lewis20002000]

I had to wait about 3 days after the application in review for the Chase business cash, great job Mark, remember you're going to get drilled about the type of business you have. I am sure you're ready for that, but for the new people knowing your ish about your business is very important when you call the reconsideration line.

[@MarkReese]

Yep! And congrats on your approval for the Chase Ink Business Cash! 💵

[@kev2020]

"I'll give this a few more minutes..." 1.2 seconds later "Alright, done waiting 🤳" That cut was excellent! 😂 I wasn't approved right away but thanks to these vids and transparency, my anxiety has been halved until I get the go ahead. I think that your history with Chase should work in your favor.

[@MarkReese]

Glad you enjoyed the cut 😂✌️ And glad to hear these videos have been beneficial to you!

[@marquis9821]

Your “watch me apply” videos makes me want to apply for cards lol. I love them 👏🏾👏🏾

[@MarkReese]

Haha glad you like them!

[@project_zellaz33]

Facts

[@Lawrence_McKnight]

Awesome KZbin channel. Thank you for being very detailed on all your channel. I just got approved for the CIHG business card last week. Just to give you an ideal. I am a Registered Nurse and I have a side hustle business teaching CPR and First-aid classes. I have the quadfecta, Chase premiere checking and savings, complete business checking, and the CIBC. Credit score is average 780 amongst the 3 bureaus and a history of 5 years. All that being said, you may lack the Complete Business checking g account if you have not mention that. Keep up the good work and I will keep following you on your credit card adventure

[@MarkReese]

Congrats on your approval, Lawrence! Thanks for the additional details as well 👊💯

[@MarkReese]

Do you have an IHG card? If yes, which one(s)? 😃💳

[@paulstein916]

I don't have any hotel cards. I've been team cashback until recently dabbling in travel cards. Which one would be best first hotel card to get?

[@MarkReese]

@@paulstein916 - If you're below 5/24, consider getting one from Chase that has properties were you wanting to stay.

[@Mundus-vult-decipi]

I love watch me apply videos!

[@MarkReese]

Glad to hear it!

[@smurkio_otf]

At this point when you submit new applications, it has me in suspense and on the edge of my seat. You never know what can happen even with calling the reconsideration line.

[@MarkReese]

The suspense is always real 😄

[@BlackOpzFX]

APPROVED - The only issue Is credit limit. I wonder will they ask you to 'close' a card or transfer limits from another card.

[@MarkReese]

We'll see 😁👍

[@klvAcosta]

I applied for the same card 3 weeks ago, a few days later the application was approved then it took about a week to receive the card. The CL is $11k

[@MarkReese]

Awesome, congrats and thanks for sharing your experience! 💯

[@memuxamune307]

Love the comedy of Mark 💖 I'm going to go put my credit cards in random places like Easter eggs too. 🤔

[@MarkReese]

Thanks Guillermo 😂👊

[@Leoprieto74]

Damn, Marky boy,.. 45 cards? I hope you still have that beautiful Billiard table to setup your 45 cards and do your magic. Man, I have NO doubt you will get approve. As oppose than me that got DENIED for the Barclays Wyndham Business Earner Card a few days ago. The reason for denial was that I am not as GREAT as Marky boy!!! Cheers brother 🍻.

[@MarkReese]

Lol...that'll be an epic day when that becomes a reason for denials 😂

[@Leoprieto74]

@Shawn S I agree,.. Amex is the best by far.

[@OKZK_Bros]

does the business card show in the chase app with your personal cards?

[@MarkReese]

Not initially; you'll have to create a new / separate business profile. Then you can ask Chase to merge the 2 into a single profile.

[@tareqalahmed]

They hold my application for one week but finally got approved today, i think you will get approved since we almost have the same credit profile

[@MarkReese]

Congrats on the approval, Tareq! 🏆

[@Xtremeproducts]

Hi change the cabinets from all white khaki.

[@MarkReese]

A result of moving to a new place ✌️

[@Xtremeproducts]

@@MarkReese oh ok I see. I pay attention to my KZbin surroundings lol. Congrats

[@qahtanalqaysi5116]

You will get approved and the only issue you might face IMO your current credit limit with Chase based of your income and spending actions which may ask you to reallocate some of your Chase limit to the new account!!

[@MarkReese]

I'd be happy to reallocate 😁

[@qahtanalqaysi5116]

@@MarkReese I had this experience with Chase business to reallocate some of my brother limit to another one ☝️ and Bank of America when I got approved for Spirit personal CC as I already had 91k and got approved for 14k with Spirit so they had to take $5100 but I did not accept this deal and asked them to approved me for $8900 on the Spirit CC because I don’t spend more than that on flying at ones but they moved my application to risk management department 😂 and asked me about my wealth in general like house, investing in the stock market plus liquid cash so be ready to answer all these questions just in case that you might face similar scenario that matches mine 😂

[@floridaproductions]

Mark I’m going to go on the record here. It’s time to now give your plastic cards the [microwave] test !!

[@MarkReese]

🤣♨️💳

[@lewis20002000]

....and good luck, I am looking to get that same IHG card.

[@MarkReese]

Thanks! 👊

[@genes4315]

I’ve read online the 7-10 day message almost always means denial. Curious to see how true that is. Good luck!

[@MarkReese]

Not this time, approved! 😁👊

[@nickevans4273]

Mark, What’s your opinion on a targeted CFU/CFF offer with 5% cash back on gas up to $6,000 in first year of card membership? Pre approved for 14k limit, which would nearly double my overall available credit. I know they are great cash back cards, but I’m also being targeted for the United Explorer with a 70k SUB (I live 25 minutes outside a United hub) which I could then downgrade to the Gateway card after a year if I don’t want to pay the AF to earn 2x miles on gas. What are your thoughts? I like to travel, but also value cash back, so this is tricky for me. I currently have the Marriott Bonvoy Brilliant and the TD Cash Visa.

[@MarkReese]

If you're preapproved, value both cash back & travel rewards, can meet the spend requirements for the bonuses, and if both cards give you good value, then why not go for both 1-3 months apart?

[@nickevans4273]

@@MarkReese I was thinking about that. I am just worried about 2 hard inquiries in such a short period of time dinging my score. My inquiry from my Bonvoy card in May 2021 still shows on my report, but I’m not sure it’s affecting my score at this point.

[@MarkReese]

@@nickevans4273 - If you need the highest score possible (e.g. to get a better rate on a car, home, etc.), then it's best not to get any new cars until that's done. If you don't have a need, then a temporary drop in score has no real world implication.

[@michaeldiaz6060]

Hey Mark, I’m trying to apply for the Amex business prime card for Amazon. I already have an existing Amex account with gold and plat. I wanted to know if applying for that business prime card would impact my personal credit. I know typically no business card will impact your score but for some odd reasons the videos I’ve seen as well as info I’ve dug up is saying otherwise. Reason I’m stressing is because I’m in the process of buying a house.

[@MarkReese]

Hi Michael - Amex business credit cards do not show up on your personal credit report. Therefore, they do not impact your personal score. The only way they _could_ hurt your score is by getting another hard inquiry, which may temporarily lower your score. However, since you already have an Amex card relationship, a new card will likely be a soft pull (though Amex can still pull your report if they like).

[@zenster1097]

Very difficult to predict without knowing your debt-to- income ratio and credit limit-to-income ratio (I figure this is an important factor), which I would totally get not wanting to disclose that info to the internet.

[@MarkReese]

Agreed 👍

[@saab931]

What are the Chase business credit card rules? . If I want to apply for both IHG credit cards, business and personal, what do I need to know

[@MarkReese]

I'm only aware of the 5/24 Rule and 2/30 Rule for that situation.

[@saab931]

Does it matter how many business credit cards you can have through Chase?

[@MarkReese]

@@saab931 - I don't know if Chase has a limit. I'm not aware of one.

[@saab931]

I was declined and they told me that they'll send me a letter just like you.

[@MarkReese]

@@saab931 - Bummer. Learn the reason(s), then consider a call to the reconsideration line 👍

[@Xtremeproducts]

2nd 🥈 from Poland 🇵🇱. Hey mark

[@MarkReese]

Cześć! 🇵🇱

[@Xtremeproducts]

@@MarkReese witaj moj przyjacielu

[@kmque3166]

Hi Mark, the cabinet card intro was nice! I think u will be denied cos 2 much credit cards + inquires.

[@MarkReese]

Thanks! Time will tell what the result will be 😁

[@jeremymoore450]

Mark, You ways get approved. I never do unfortunately. Appreciate these videos buddy.

[@MarkReese]

We'll see 😁

[@PointsPrecision]

I wonder if calling the business reconsideration line would've given you a different result, because I noticed that the blog had a seperate number for business cards.

[@MarkReese]

Not sure ✌️ I'm going to wait it out for now.

[@raze2400]

I thought applying for a business card had nothing to do with your personal credit? 🤔 or a hard pull?

[@MarkReese]

Just a hard pull. Your personal credit is still a factor in getting approved for a small business credit card.

[@339Raza]

Between IHG and Hyatt which program is worth applying for first as a first hotel credit card?

[@MarkReese]

The one that has the properties you want to stay at 👍 There isn't an objective answer. I'd personally go for Hyatt because it suits my travel style. However, Hyatt is a very small chain with very few hotels compared to IHG, Marriott, Hilton and others. So even if it were "for sure" a better card, if Hyatt doesn't have hotels in the places you want to go, then it won't matter.

[@ItsReezun]

Yes you probably Will get approved unless you might have to moves some limits

[@MarkReese]

Sure hope so! 🏆

[@brad159us6]

Holy annual fees mark! Lol 😂 I thought I was bad with the CS plat, Vanilla Plat, Amex Gold, Delta Plat, and Hilton Surpass sheesh 😂😂😎😎

[@MarkReese]

😁👊

[@zenster1097]

Question. Does 5/24 start with the chase card you get? If you got a card a month before your first Chase card, is that 2/24 or 1/24?

[@MarkReese]

It starts - and continues - with any card from any bank that appears on your credit report. You could have 5 Amex cards and be at 5/24.

[@U43635]

So do you pretty much apply every 3-4 months for one card?

[@MarkReese]

Me personally...no. I don't have a set pattern.

[@armytruth6860]

Will 5/24 come in when I apply for a chase business credit card

[@MarkReese]

Yes. You must be below 5/24 to get a Chase business card. However, if you get approved, the new card will not increase your 5/24 count.

[@SolidLiquidFox]

So...you went for that 5th Chase business card. I heard rumors they are comfortable at four and if they like you then MAY BE five. Bold strategy Cotton, let's see how that works out... 🙃

[@MarkReese]

Time will tell!

[@SolidLiquidFox]

@@MarkReese personal card has the better offer right now so that's plan B

[@MarkReese]

@@SolidLiquidFox - It does, but that's not my Plan B 😁

[@SolidLiquidFox]

Congrats on the approval 👏

[@MarkReese]

@@SolidLiquidFox - Thank you! 💥

[@Mundus-vult-decipi]

I think you will get approved may have to reallocate credit but I do think approved.

[@MarkReese]

Sure hope so! 👌

[@Reach2Sabya]

Hi Mark. I have more than 5/24. Do chase care for 5/24 for this card?

[@MarkReese]

Yes, 5/25 still applies to this card.

[@Reach2Sabya]

@@MarkReese alas, thanks

[@ascubapro]

Thanks for another great video. You are great!

[@MarkReese]

Thanks Eddie!

[@devonmaska6149]

Sorry you're having to wait for approval or not due to having a lot of credit. I currently have almost $50k in credit with Chase between 3 personal credit cards in which one is my highest credit limit out of my cards which is $38.5k on an United Explorer card & I've been with Chase for 14 years & currently waiting for "you are already approved" offers they show under the just for you page when you're logged in to your account since I am over 5/24 due to really needing credit when I went through almost 7 years of health issues from Nov. 13 through May 20.

[@MarkReese]

Nice $50K total! 😃👊

[@devonmaska6149]

@@MarkReese Thanks. I really want the INK Cash card due to 5% on cell phone. That's why I am waiting for a "you're already approved" offer & if I got denied due to alot of credit or another reason besides too many recent opened accounts I would move credit from my United Explorer card due to my $38.5k limit. I found out from Chase awhile back that they won't be able to move credit to a new card from a current account if you were denied due to too many recent opened accounts.

[@kevinanderson5095]

Approved of course! 😉

[@MarkReese]

That's the answer I'm hoping for 😁

[@trainergar6675]

Did you rule out the Amex Delta Reserve with the 747 edition?

[@MarkReese]

Yep 👍

[@arianacastillo1887]

I opened a capital one quicksilver card and closed it the same day about two months ago. Since it shows up as a hard inquiry, if I get it removed will it affect my credit?

[@arianacastillo1887]

Also going to mention it never showed up on my report as a new account, just an inquiry from cap one

[@MarkReese]

@@arianacastillo1887 - If you get it removed, your score should improve. However, if you yourself opened the account, then the inquiry is justified. Inquiries aren't a big deal anyway.

[@arianacastillo1887]

@@MarkReese also, I opened an Amex plat (schwab version) because I was planning on traveling this year, but now I’m not so sure. So the $700 AF doesn’t make sense. I did some research and if I’m right, I can close it in a year right? I know people downgrade, but I already have the gold as well. If I close it after a year, will I be able to get it again if I wanted in the future?

[@MarkReese]

@@arianacastillo1887 - Several things here... 1. Yes, you can close it after a year and still keep your bonus. 2. You'll need to have at least 1 Amex card open that earns Membership Rewards points in order to prevent the points from being forfeited. 3. The Schwab Platinum Card cannot be downgraded. 4. Yes, you can get the Schwab Platinum Card again in the future, but with no bonus.

[@Mac-pluto]

How long do they usually run the promotion for IHG subs? Currently over 5/24 until October 😬

[@MarkReese]

Not sure. This 140K is still the new launch offer.

[@chrisbrown8748]

I think your going to get approved because I’d approve you if you applied for a line of credit from the bank of Chris Brown👍🏽👍🏽

[@MarkReese]

I like the reasoning! 😂👊

[@DuffMan-c5z]

Same thing happened to me when applying for the personal card. The recon line didn't have any information, then 3 days later I received the approval letter. Chase pulled CL from another card to establish the IHG line. 91k income 38,300 CL

[@MarkReese]

Congrats & thanks for sharing your experience! 😃👊 Did they automatically reallocate your credit line without calling you?

[@DuffMan-c5z]

@@MarkReese thanks. they did reallocate without calling me.

[@roadking_tv]

Damn... you've got alot of cards😯😯

[@MarkReese]

Indeed 😬

[@johnnywaves1326]

How do you manage all of the credit cards you have?

[@MarkReese]

Spreadsheet + MaxRewards app

[@johnnywaves1326]

@@MarkReese Can you do a video about your spreadsheet method

[@MarkReese]

@@johnnywaves1326 - Perhaps at some point!

[@johnnywaves1326]

@@MarkReese I just watched your video on how you pay your credit cards with your spreadsheet from about a year ago. Thanks!

[@MarkReese]

@@johnnywaves1326 - You bet!

[@riosafado]

IS this card under Chase 5/24 ?

[@MarkReese]

Yes, you need to be at 4/24 or below to get approved.

[@SentinalGaming]

I have one doubt i am an youtuber can i get a business credit cards if so how?

[@MarkReese]

Sure. You can apply as a sole proprietor if you don't have an LLC.

[@SentinalGaming]

@@MarkReese wow then it opens a great window for me. Thank you mark you the best. ❤️ from India.

[@MarkReese]

@@SentinalGaming - Glad that helps! Note that the cards I mention on my channel are only available in the U.S.

[@lonewolfie556]

Mark , you will be denied. Chase will say gente are too many open accounts

[@MarkReese]

We'll see 😁

[@aaront936]

Is ihg still apart of chases 5/24 rule?

[@MarkReese]

Yep 👍

[@armytruth6860]

will a business credit card incure a credit inquire

[@MarkReese]

Yep. Chase pulled my Experian credit report for this card.

[@DCGEMINI202]

No hilton aspire? I

[@MarkReese]

Nope. I had 2 of them in the past. Canceled both. Here's a link to the video about it: kzbin.info/www/bejne/oJSadayQbLKqj6c

[@hnyflvr]

New kitchen...who dis? 😁

[@MarkReese]

Same KZbinr! 😂✌️

[@kdawg9477]

I got denied for thr ihg...

[@MarkReese]

Bummer. Did Chase give you any reasons?

[@mitchell.9632]

We will see as I'm sure you will update us.

[@MarkReese]

The clock is ticking... ⏰

[@dmetalgear]

You got approved?

[@MarkReese]

Yep! 👍

[@emeryjames2887]

You will be approved

[@MarkReese]

Hope so!

[@Gospeed777]

You are def getting approve

[@MarkReese]

I like the good intention! 😎👊

[@Gospeed777]

@@MarkReese 😆

[@timothymoore1791]

This still happening me about this content

[@MarkReese]

👍

[@germanantor2455]

DENIED

[@MarkReese]

😬

[@Pazman1969]

🤞🤞

[@MarkReese]

💯👍

[@achavez78]

#DENIED They found out you escaped from 5/24 Jail. Chase police department on their way to arrest you.

[@MarkReese]

😬

[@-_-_-_-_-_-_-_-_-_-_-_-...]

You can get this card if you already have the chase personal IHG??

[@MarkReese]

Yes 👍

[@andreherrera8161]

Hey Mark.will you add me as an Authorized User?? Lol..🤣😂🤣

[@MarkReese]

Nope 😁✌

[@jimmyobando938]

DENIED

[@MarkReese]

😬

[@jimmyobando938]

@@MarkReese 😀😀😀😀