I thought I would share my experience as I am not a risk taker and think that having good credit is a very valuable thing. I really like Chase Ultimate Rewards. The fact that I can transfer them to any rewards program makes them valuable. I want as many as possible. The only problem is that I don't really have a business and the INK Plus is a business card. The sign up offer is 50,000 UR points which is a lot. I applied online and it said we need more time to process your application. So, I called the reconsideration line an hour later and wasn't really prepared for the amount of questions they were about to ask me. It started with what is your business name and what do you sell? I came up with some horrible name and said I sell things on ebay. Then she asked what do you sell? I didn't think this far in advance. Off the top of my head I said sports memorabilia. Then she asked what kind of sports memorabilia? Now I was getting nervous...I said like signed jerseys and baseball cards. Then she asked what was my revenue and profits for last year. This is where I really screwed up... What I said made no sense. How on earth could my profits be higher than my revenue for the year. (fyi I said its a small business and my revenue was 15k and profits were 20k) It would be a lot better if you said a complex number like $15,963.24 She also asked if this was my full time job which its not, so I told her that I am making a salary with my full time job and this is a business on the side. Also, she asked what I wanted my credit limit to be? I said between 3k-5k Anyways, She asked a few more questions and said she needed a few minutes to go over everything. I was really worried and totally convinced I was going to be denied for the first time. She came back on and said that she is approving me because I am in good standing with Chase and pay all Chase CC's on time. I would have a 5k limit. Then she came back on and said due to the number of cc's that I have applied to recently she was going to have to get a managers approval. I started freaking out again. (fyi, I applied to 3 cc's maybe 2 months ago) She came back on and said everything is okay. I asked to have the card expedited. Everything Worked!!!!! I am pretty happy and that much closer to having a free vacation! Woo Hoo! fyi- I am not going to be applying to any more cc's this year due to wanting to have a high credit score as I am planning to buy a house within 2 years. It needs to be above 750. Thanks, for reading and Good Luck and Safe Travels!