Summary
Chase is vigilant about sudden spikes and dramatic changes in spending patterns (for example, jumping from a $500 purchase to $10k in one day). They are more tolerant on business cards like Ink, but even there, steady scaling is favored over maxing out quickly. Chase fraud models are designed to flag inconsistent patterns, so pacing transactions and avoiding near-limit usage is key.
Best Practices
Begin with smaller purchases to establish a pattern.
Avoid same-day max utilization.
Scale gradually for larger approvals.
Terms & Contact
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