Business cards and the personal 5/24 count
rules · 4 min read
The loophole
Most business cards don't report to your personal credit report. That means:
1. Opening a Chase Ink card does not count against 5/24 (because it doesn't show on your personal report). 2. But Chase still requires you to be under 5/24 to be approved for an Ink card (because Chase checks your personal bureau file at application time, where any non-Ink cards would show).
The stack
Under 5/24, you can Ink-stack — apply for Ink Business Preferred, Cash, Unlimited, Premier in sequence. Each SUB adds up (typically $900-$1,500 per card after minimum spend), and none of them show up on your personal report. Rinse every ~4 months.
The caveats
- Chase has gotten more cautious on same-day or same-week Ink apps.
- Too many Inks at once triggers Chase's fraud review.
- Some issuers (Cap One, Discover, TD, Wells Fargo) do report their business cards to personal — those count against 5/24.