Chase applicants who called reconsideration on a denied business card this week say

agents cited a rule nobody had heard of before: three or more new accounts in the past

24 months is now a decline, rather than the five that Chase has used for years.

Chase has not announced this and has not confirmed it, so treat every number below

as a report rather than a published policy.

What the data points say

The reports cluster around one date. Multiple applicants were told the cutoff took

effect September 16, 2026, including people approved at 4/24 who were told the

approval only went through because they applied before that day. Doctor of Credit logged

three denials citing the 3/24 figure between September 14 and September 17, and

Travel on Points counted dozens of reports across its own community and elsewhere.

The evidence is not uniform. Doctor of Credit also recorded one applicant approved at

4/24 after reconsideration on September 10 and another approved at 3/24 in the days that

followed, which is hard to square with a hard cutoff. There is also no agreement yet on

scope. Some reports describe the rule as specific to sole proprietors, while others

suggest it reaches every business application, including LLCs and corporations.

Why it matters

Chase business cards do not report to personal credit, so the Ink lineup has long been

the standard way to keep earning without pushing a personal file toward 5/24. Moving the

bar to three accounts would close that path for a lot of people well before they reach

the personal limit.

Doctor of Credit stopped short of calling it official, while noting that front line reps

are all repeating the same thing. Until Chase publishes something, the safe assumption is

that a business application at 3/24 or above now carries real denial risk.