My wife applied for the Chase Southwest Premier Business card, and we fully expected to be rejected for it. Indeed, in that respect, we were not disappointed to get the letter today. What did surprise me, however, is that the reasoning in the letter was "too many lines of credit". Currently, she only has one - the Chase Southwest Personal Plus. She's got excellent credit, and is an authorized user on *my* two Chase cards, the Freedom and the Sapphire Preferred, but that shouldn't matter, right? I expected the rejection based on the fact that the business is a startup, and thus has no income at this point, a fact I wasn't worried about explaining over the phone. My question, then, is this: Is the "too many lines of credit" thing just what *every* Chase rejection says, or is it really possible that their system decided one was too many? Should it make a difference in the way she approaches the reconsideration call?