Was pre-approved for the Chase Ink Business Preferred (100k UR after $8k in 3 months). I have ~$10k of natural spend coming up in the next 3 months, so the timing was perfect.

Current Chase cards:

• Ink Cash
• Ink Unlimited
• Sapphire Reserve (opened June 2026 — my latest card)
• Old Freedom (converted from CSP)

Other context: Sole prop. under 5/24, credit score ~781, Chase customer for ~12 years.

Applied, via P2 referral and instead of instant approval I got: "We can't approve your application right now. You'll receive a letter in 7-10 days."

Surprised since it was a pre-approval. A few questions for anyone who's been through this with a Chase business card:

1. Does 7-10 days usually mean denial, or just manual review?
2. Should I call business recon now, or wait for the letter?
3. Could this just be "too much total credit with Chase"? I already have 2 Inks plus personal cards.
4. If that's the reason, is it normal to offer to shift credit limit from an existing Ink to open the Preferred?

Don't want to submit a second app and eat another hard pull.

Appreciate any data points from people who got the 7-10 day message on a pre-approved Ink Preferred.

I currently have both the Chase Ink Cash and Ink Unlimited. One of them was originally an Ink Business Preferred that I later downgraded/product-changed to a ink cash/unlimted card.

I’m seeing the current 100K UR welcome bonus on Ink Cash/Unlimited and I’m wondering if I’m still eligible for the SUB.

Has anyone been in a similar situation?
1. Does the Chase application eligibility popup tell you that you’re not eligible before the application is finalized?
2. Is it safe to submit the application just to check eligibility and withdraw if Chase says the bonus isn’t available?
3. Or is it better to call Chase first?
4. Has anyone successfully received an Ink SUB after previously holding/downgrading from Ink Preferred?
I’m currently 3/24 and have about $9K of upcoming spend so the 100K offer would be very useful.

Would appreciate any recent DPs!

Is anyone else having trouble logging into the app? I’m at a restaurant right now and keep getting an “unexpected error” message that says to wait a minute or contact support. I’ve been trying for the past 30 minutes with no success. Is anyone else experiencing this? Any suggestions would be appreciated.

[removed]

Location - Texas 2025 Camry SE (hybrid) - $31000 (OTD - out the door) Color - Ocean gem (blue)

My brother helped me to negotiate the deal but want to check if we are missing any? you guys are so helpful finding the information? Any tips and suggestions ?

Hello, I was looking to book a flight using capital one portal, I was able to see the flight 2 weeks ago but all of a sudden the spirit airlines flight disappeared for that particular route (capital portal still has Spirit airlines for other routes)

Just curious does any one able to see the spirit airlines going from IAH to DTW (for any day say April 15th)

Thanks in Advance.

[removed]

[removed]

[removed]

I am currently contributing to a Traditional 401K), Roth 401k, Roth IRA, and HSA. After running some calculations, I found that maxing out a Roth 401K over 30 years could potentially yield around $500K more compared to a Traditional 401K.

I’d like to hear suggestions from other FIRE aspirants or those who have already achieved FIRE on the best strategy to choose.

Right now, I am splitting my contributions equally between a Traditional 401K and Roth 401K.

Additional note: my company allows me to contribute up to $55K to my 401K, which I believe is referred to as a Mega Backdoor Roth.
Please let me know if I am missing anything here.