I was on the phone with Chase for almost an hour yesterday trying to get them to reconsider my Chase SW business application and after a length Q&A about my business, revenues, how I advertise (for my business this is mostly word of mouth or online adverts) ultimately was declined after 2 recons. I tried to work with them to tell them I didn't need a high credit limit, just needed to split business and personal expenses but they were pretty adamant. They cited that my business was too newly created (only incorporated this year), and lack of history with Chase. How is a new business supposed to get credit if they haven't been around for 5+ years (length of time the rep told me they expect to see?!). They suggested to try again once my company has been around longer and once I have more history on my personal Chase SW. Did I approach this wrong or what? Anyone have such a difficult experience just getting a separate business line? Any advice would be welcome.