Getting denied for the Chase Ink Business Unlimited® Credit Card isn’t the end of the road. In fact, you’ve got a good shot at turning that "no" into a "yes" with Chase's reconsideration process. Here’s a simple guide to help you through it.

Step 1: Call the Chase Reconsideration Line

The first thing to do is call Chase’s reconsideration line at 1-888-609-7805. When you’re on the phone, keep these tips in mind:

• Be Polite: Keep the conversation professional and friendly. You want the person on the other end rooting for you.
• Explain Why You Need the Card: Talk about how the card will benefit your business, whether it’s managing cash flow, earning rewards, or handling regular expenses.
• Mention Your Relationship with Chase: If you already have other Chase accounts—business or personal—bring that up. It shows you’re already a trusted customer.
• Suggest Reallocating Credit: If you have other Chase cards, offer to move some of your existing credit limit over to the new card.
• Ask for Their Help: Starting with “I need your help” can set a cooperative tone.
• Try Again if Needed: If you don’t get approved on the first try, don’t hesitate to call again and talk to a different rep. It really can make a difference!

Step 2: Understand Why You Were Denied

Knowing why your application was denied is key to making a better case. Here are some common reasons and how to handle them:

• Chase’s 5/24 Rule: If you’ve opened more than 5 credit cards in the last 24 months, Chase might automatically deny you. If this isn’t true in your case, ask them to double-check.
• Limited Credit History: If your credit history is less than a year old, highlight any responsible credit behavior you’ve shown or mention other accounts you have with Chase.
• High Balances on Other Cards: If your balances are high, explain if it’s due to a one-time business purchase or a temporary situation.
• Verification Issues: Make sure all your business details—like your address and tax ID—are consistent across the application and any documents you provided.

Step 3: Prepare Before You Call

Before calling, make sure you’re ready to answer any questions and clear up potential issues:

• Explain Multiple Credit Inquiries: If you’ve applied for several cards recently, be ready to explain why. Maybe you’re expanding your business or managing big purchases.
• Suggest Solutions: If Chase says your credit utilization is too high, offer to reallocate credit from another Chase card to help your case.
• Have Documents Ready: If they had trouble verifying your business details, gather things like your tax ID or financial statements to back you up.

Keep Trying, Don’t Give Up

If you don’t get approved on the first call, don’t get discouraged. Calling back and speaking to a different representative or offering more information can often change the outcome. Just keep at it, and you’ll improve your chances of getting that Chase Ink Business Unlimited® approval.

You’ve got this—good luck!