Last month, I went over my credit limit on my Chase business credit card by a few thousand dollars. I use my Chase business credit card primarily for online advertising expenses and there were outstanding charges that hit my account before I could update my Google Adwords account with another credit card. Chase honored the transactions, but clearly I need more available credit in order to avoid a similar situation in the future.

I called Chase to see if they would waive the auto generated $39 over-limit fee, which they graciously did. I didn't want to ask the representative about increasing my credit line because I didn't want to go through the formal process of a credit review that could cause an additional credit inquiry on my credit report. The representative pro-actively checked my account and stated that it was possible to transfer available credit from my Chase personal credit card account to my Chase business credit card account. In other words, the $20,000 in available credit that I wasn't using on my personal chase credit card could be transferred to my chase business credit card, raising my Chase business credit card available credit from $8,500 to $28,500. I kept thinking to myself, "this is such a smart thing for Chase to do for its customers."

This creative solution to my available credit issue made me re-think my loyalty to Chase. They prevented a bureau inquiry and solved my business credit issue. While its easy to transfer from one credit card issuer to another, account flexibility like this makes one company really stand out from the rest of the pack.