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I got a second Chase Ink Plus card for a separate business and you can too.
Chase Ink Plus offer
In July, one of my Chase bankers told me about the 70,000 Chase Ultimate Rewards points offer on the Chase Ink Plus.
I was tempted. But it was too soon.
I got the Southwest personal and Southwest business cards in June before the 50,000 Southwest points sign-up bonus offer ended.
But I have some large upcoming expenses for one of my businesses so I decided to take a chance.
Applying for a second Chase Ink card
I applied for my second Chase Ink Plus card (as a sole proprietor without an EIN and with my social security number) on August 26, but was not automatically approved.
I did not expect instant approval because of my recent Southwest applications in June and this would be my second Chase Ink Plus card. I got my first Chase Ink Plus card in April when Chase converted my Chase Ink Bold MasterCard to a Visa.
So I knew my application for my second Chase Ink Plus card would go to reconsideration.
When you apply online, if you aren’t instantly approved, you call the reconsideration line. But when you’re applying in the branch, a call to the reconsideration line isn’t an option.
Plus my banker said “These things (assuming he meant non-instant approvals) happen all the time. We usually hear back within 48 hours.”
What to do when you aren’t instantly approved
48 hours came and went without hearing anything.
I wasn’t worried, I assumed they were going through my application with a fine tooth comb. After all, it was only 2 months since my last Chase application. I hadn’t followed the 90 day rule so my credit score may not have had time to bounce back.
I decided to wait it out. Let the chips fall where they may so to speak.
If you aren’t instantly approved for a second Chase Ink Plus card, you should sit tight and wait.
Don’t call your banker. And don’t call the reconsideration line.
You know that saying, “No news is good news.” Follow it.
Happy days are here again
Well, I tried to be patient, but it’s not my strong suit. And I didn’t follow my own advice.
I called my banker on September 15 (20 days after I had applied) to see if there was any news.
The next day I got the “You’ve been approved. Welcome to Chase Ink Plus” email. And have my second Chase Ink Plus card in my hand.
Now I have to finish completing my $5,000 in minimum spending.
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