Chase Ultimate Rewards - How many Chase cards do you/can you have?

What is the maximum number of primary chase issued cards one person can have?

Chase seems to have great affinity cards (CO, UAL, PC, BA, SWA, Marriott) for consumers and businesses.

You can have several if your credit is good. Now that the Bank One purchase is complete I have at least 5 Chase cards, maybe 6.

Several.... and even get the bonus again.... Just have to pay the extra annual fee... (well just for a year)

depending on Your credit score, I know of folks that have 10 plus Chase credit cards.

I am one not to have more then 2 credit cards but certainly can have more cards

I was thinking about how to maximize rewards with the new dynamic rewards scheme on the Chase Freedom card. With the dynamic rewards scheme you can earn 3.75% cash back on your top 3 spending categories each month, but are limited to $600 in those top 3 categories per month per card.

(Note that the 15 spending categories eligible for the 3.75% reward are: grocery stores, gas & convenience stores, quick service payment/fast food restaurants, telecommunications, cable/satellite TV/Internet Service Providers, video rentals, department stores, dry cleaners, drugstores, movie theatres, local and suburban commuter passenger transportation (including ferries, bridges, tolls, parking garages, taxis/limos), pet supply stores and veterinary services, utilities, beauty shops (salons and spas), or gym/recreation memberships.)

If the number of Chase Freedom cards one could possess was unlimited, then you could earn 3.75% cash back on all of your spending in all 15 eligible categories. For most folks, it probably wouldn't be worth the hassle of managing more than a few Freedom cards though.

Does anyone know how many Chase Freedom cards one can have at a time?

Also, since Chase has other cards that offer 2%-5% back on other categories like travel, office supply stores, home improvement stores, restaurants, vehicle rentals, etc. that would be good to combine with the Freedom card, I was wondering if there was an upper limit on how many Chase cards one can have of any type (Freedom or other)?

I was thinking about how to maximize rewards with the new dynamic rewards scheme on the Chase Freedom card. With the dynamic rewards scheme you can earn 3.75% cash back on your top 3 spending categories each month, but are limited to $600 in those top 3 categories per month per card.

(Note that the 15 spending categories eligible for the 3.75% reward are: grocery stores, gas & convenience stores, quick service payment/fast food restaurants, telecommunications, cable/satellite TV/Internet Service Providers, video rentals, department stores, dry cleaners, drugstores, movie theatres, local and suburban commuter passenger transportation (including ferries, bridges, tolls, parking garages, taxis/limos), pet supply stores and veterinary services, utilities, beauty shops (salons and spas), or gym/recreation memberships.)

If the number of Chase Freedom cards one could possess was unlimited, then you could earn 3.75% cash back on all of your spending in all 15 eligible categories. For most folks, it probably wouldn't be worth the hassle of managing more than a few Freedom cards though.

Does anyone know how many Chase Freedom cards one can have at a time?

Also, since Chase has other cards that offer 2%-5% back on other categories like travel, office supply stores, home improvement stores, restaurants, vehicle rentals, etc. that would be good to combine with the Freedom card, I was wondering if there was an upper limit on how many Chase cards one can have of any type (Freedom or other)?

Probably a great question for fatwallet.com. In fact, the answer may be posted over there already.

There was some discussion that I recall on FW of a 4 or 5 card limit on Chase. Many said only 4, but I happen to have 5. Up to that wouldn't be an issue I would imagine (ignoring credit worthiness of course).

There was some discussion that I recall on FW of a 4 or 5 card limit on Chase. Many said only 4, but I happen to have 5. Up to that wouldn't be an issue I would imagine (ignoring credit worthiness of course).

I have 5 Chase cards, but before I applied for the Freedom I actually had 6. When I applied for Freedom they accepted readily and gave me a high credit line, but they closed two older cards that I hadn't used for a while. No biggie to me. Chase is rather good to me, lots of possible exposure considering they also hold my mortgage.

I have a free for one year UA Visa that just had the fee posted for the second year, so now I'm going to have to deal with either closing or turning that into something else. Maybe I can get a second Freedom that way. I'll find out probably next week sometime.

I was thinking about how to maximize rewards with the new dynamic rewards scheme on the Chase Freedom card. With the dynamic rewards scheme you can earn 3.75% cash back on your top 3 spending categories each month, but are limited to $600 in those top 3 categories per month per card.

(Note that the 15 spending categories eligible for the 3.75% reward are: grocery stores, gas & convenience stores, quick service payment/fast food restaurants, telecommunications, cable/satellite TV/Internet Service Providers, video rentals, department stores, dry cleaners, drugstores, movie theatres, local and suburban commuter passenger transportation (including ferries, bridges, tolls, parking garages, taxis/limos), pet supply stores and veterinary services, utilities, beauty shops (salons and spas), or gym/recreation memberships.)

If the number of Chase Freedom cards one could possess was unlimited, then you could earn 3.75% cash back on all of your spending in all 15 eligible categories. For most folks, it probably wouldn't be worth the hassle of managing more than a few Freedom cards though.

Does anyone know how many Chase Freedom cards one can have at a time?

Also, since Chase has other cards that offer 2%-5% back on other categories like travel, office supply stores, home improvement stores, restaurants, vehicle rentals, etc. that would be good to combine with the Freedom card, I was wondering if there was an upper limit on how many Chase cards one can have of any type (Freedom or other)?



Where did you get the 3.75% cash back info on this card?I can only find documentaion for 3%.

Thanks

Where did you get the 3.75% cash back info on this card?I can only find documentaion for 3%.
Thanks
If you redeem your cash rewards in $200 increments, then Chase will give you a bonus $50 (i.e. $250 for $200 in earnings). So that works out to 3.75% instead of just 3%. (Note that it also means 1.25% on all "other" spending rather than just 1%.)

Great receive 3.75 % cash back, but pay out 18.99%, great plan.

Great receive 3.75 % cash back, but pay out 18.99%, great plan.

I don't see anything in anyones reply in this thread saying they carry a balance month-to-month and pay the ridiculous interest rates on a rewards card. As such, I'm not seeing your point, unless it's to fulfill your signature line.

Great receive 3.75 % cash back, but pay out 18.99%, great plan.

It's implied that you don't revolve any balance. The card charges nothing as long as you pay in full each month.

I want to apply for Chase stuff. FICO's range from 750-800. Moderate to thick credit file. Decent income w/ long time stable job.

Which cards should I apply for? I thought that the Hyatt, 80K Priority Club (I was targeted for the 80K card :)) and the 50K CO card looked decent.

How many cards should I apply for? I would guess two Chase applications would be now OK, then more later. 3 apps may be pushing it.

Can you advise me what is my best course of action. Thank you for your help. :)

Hard to say. My score is in the same range as yours. The biggest negative in my score according to Credit Karma is the average account's lifespan (i.e., how long the accounts have been opened). Everything else is excellent.

It hasn't helped that I have opened the following accounts since last fall:
Continental CC for the 50K
AA AmExp for 75K
AA Visa for 75K
and I'm waiting on the Hyatt card.

To compound matters my oldest accounts are:
Discover card
Diners Club

I really want to cancel the Diners Club card once I figure out what to do with my 150K points since I don't use it and don't want to pay the annual fee but that will further ding the average age of my accounts.

I guess the trick is to have a couple of accounts with no annual fees and keep them opened forever. Then with the other accounts open and close them yearly.

Personally I don't see why the average age of your accounts has any bearing in your credit score. It should be income, reliability in paying your debts, any negative issues such as bankruptcies and debt to assets. I don't see any reason why me keeping cards like the two above should be a positive thing if I'm not using them.

chase these days generally will not approve you for more than 1 card every 6 months

chase these days generally will not approve you for more than 1 card every 6 months

thats actually been loosened a tad recently.

i have a similar credit profile as the OP. I applied for the CO 50k MC on 1/24/11 and was instantly approved. About 5 minutes ago i applied for the PC 80k MC and was also instantly approved

chase these days generally will not approve you for more than 1 card every 6 months

It's been my experience that you can get TWO cards every 6 months with Chase. If the OP has no new Chase cards w/in the last 6 months I'd apply for two now.

It's been my experience that you can get TWO cards every 6 months with Chase. If the OP has no new Chase cards w/in the last 6 months I'd apply for two now.

Thanks! I applied for the 80K PC & 50K CO. Both got the 30 day response. Will apply for Hyatt & something else (Chase) 6 months later.

I have 2 chase cards that used to be WAMU. Perfect pay history. I keep those for credit history as I applied for them in 2006.

I have 2 chase cards that used to be WAMU. Perfect pay history. I keep those for credit history as I applied for them in 2006.

OK - this could be an issue.... i'm not sure if they'll let you have 3 cards open from chase.

i'd call them with your reference and see what you can do over the phone. you may have to move some credit lines or cancel one of the cards

OK - this could be an issue.... i'm not sure if they'll let you have 3 cards open from chase.
Not a problem...I have the Chase United, British Airways and IC Priority Club cards and I've been bombarded by them for the Continental and Hyatt cards.

OK - this could be an issue.... i'm not sure if they'll let you have 3 cards open from chase.Not a problem...I have the Chase United, British Airways and IC Priority Club cards and I've been bombarded by them for the Continental and Hyatt cards.Agree, having three cards in itself is not a problem. I've had as many as five, and currently have four cards from Chase.

I have researched similar threads on FT but nothing comes up recently so here goes my question. I'm interested in the new Chase Marriott card offer. I currently have 3 Chase accounts (Priority Club, Sapphire, and Southwest) with about $2,000 per month charged monthly on the three cards. The PC card is old, Sapphire is from the late spring 2011 and the Southwest card is from this summer. How long should I wait to apply for the Marriott card? Will Chase give me 4 accounts (my FICO is 792)? Your help will be greatly appreciated. Happy travels!

I have 5 worse case scenerio if you don't get approved one phone called to a Csr and they should be able to move credit lines .

I have 5 worse case scenerio if you don't get approved one phone called to a Csr and they should be able to move credit lines .

I have never gone down that path. Is this difficult? Does it impact your credit score to have a card company deny you and then issue the card after a phone call.

I have researched similar threads on FT but nothing comes up recently so here goes my question. I'm interested in the new Chase Marriott card offer. I currently have 3 Chase accounts (Priority Club, Sapphire, and Southwest) with about $2,000 per month charged monthly on the three cards. The PC card is old, Sapphire is from the late spring 2011 and the Southwest card is from this summer. How long should I wait to apply for the Marriott card? Will Chase give me 4 accounts (my FICO is 792)? Your help will be greatly appreciated. Happy travels!

I have never gone down that path. Is this difficult? Does it impact your credit score to have a card company deny you and then issue the card after a phone call.

It is completely a YMMV situation. What I was told was that for ME, I could be allowed no more than two "new" cards every 6 months. So, if you are denied, just call the reconsideration line, and it should have no effect on your credit score any more than just a "new" credit card (hard pull, new account, lower average age of accounts, etc.)

It is completely a YMMV situation. What I was told was that for ME, I could be allowed no more than two "new" cards every 6 months. So, if you are denied, just call the reconsideration line, and it should have no effect on your credit score any more than just a "new" credit card (hard pull, new account, lower average age of accounts, etc.)
+1
I got four Chase cards in the last year. If you get a denial, call the reconsideration line and offer to lower the limit on one of your other cards or close one of your other cards and they should be happy to do that and approve the new card. Of course YMMV. Works for most.

I have researched similar threads on FT but nothing comes up recently so here goes my question. I'm interested in the new Chase Marriott card offer. I currently have 3 Chase accounts (Priority Club, Sapphire, and Southwest) with about $2,000 per month charged monthly on the three cards. The PC card is old, Sapphire is from the late spring 2011 and the Southwest card is from this summer. How long should I wait to apply for the Marriott card? Will Chase give me 4 accounts (my FICO is 792)? Your help will be greatly appreciated. Happy travels!

I have five Chase accounts. When I got a "pending" reply on the last one I called the CSR and he said they're fine with multiple accounts; it's the total credit line that they're watching. I switched credit between accounts, no problem. With your credit rating and spending history, I doubt you'll have any problem. Ask to switch credit line, or reduce credit on one or more of your others. And, if asked why you want the new one, it wouldn't be a bad idea to be ready to mention some nice feature of the card apart from the mileage bonus.

I have 4 Accounts right now and the CSR told me that I would have no problem getting the Mariott card for my 5th chase account, even without moving credit around. I have about a 750 score and I was spending $3-5k a month between my chase cards. On the other hand literally 18 months ago they wouldn't give me a $500 card for my business so I don't know what their criteria really are, but they seem to me to be super strict, or super lenient.

Currently have 5 Chase accounts. Was surprised I didn't even have to call for the last one. - Although the two before that I did.

Thanks everyone for the quick response. I believe I will go for my 4th Chase this week.

I was instantly approved for the Sapphire Preferred Card on Sept. 12th. Received it on the 19th.

I got targeted with a Chase Freedom offer of 30K points after first purchase. I want to utilize this. General rule is wait 30 days between cards. Do I base this benchmark on my approval date (12th) or the day I activated (19th)?

should base on approval date

should base on approval date

Thank you :)

My wife currently has 2 Chase Cards, Southwest Visa and One Pass Mastercard 1 was obtained in about May and the other around July. Do you think they will also give us the Chase Sapphire ? We have great credit !

General credit card questions belong on the Credit Card Programs forum so I'll move it now.

Thanks,
philemer
MB! Mod

My wife currently has 2 Chase Cards, Southwest Visa and One Pass Mastercard 1 was obtained in about May and the other around July. Do you think they will also give us the Chase Sapphire ? We have great credit !

My wife has BA, Cont, and Sapphire I have Sapphire, Cont. and Marriott, with my wife pending on the Marriott all within10mos.

My wife currently has 2 Chase Cards, Southwest Visa and One Pass Mastercard 1 was obtained in about May and the other around July. Do you think they will also give us the Chase Sapphire ? We have great credit !

Probably. I tend to wait ~two months between Chase apps. & that works for me. I've had 4 diff. Chase cards at one time.

My wife currently has 2 Chase Cards, Southwest Visa and One Pass Mastercard 1 was obtained in about May and the other around July. Do you think they will also give us the Chase Sapphire ? We have great credit !

It is totally OK. I have 5 chase cards. Got the CO card in May and Sapphire Preferred in Nov. And remember you can always call the reconsider line if rejected.

It is totally OK. I have 5 chase cards. Got the CO card in May and Sapphire Preferred in Nov. And remember you can always call the reconsider line if rejected.

Thank you for the good information !

Ive had the Chase UA for years and this year added the BA, Sapphire, Hyatt, and now Ink Bold with no calls rejections or hassles. I will cancel the BA to make room for a Priority Club to get a targeted 80K sign-up bonus. I am starting to evaluate the Sapphire as the Ink has replaced it and I may drop the Sapphire to get Explorer bonus or something nicer next year.

Ive had the Chase UA for years and this year added the BA, Sapphire, Hyatt, and now Ink Bold with no calls rejections or hassles. I will cancel the BA to make room for a Priority Club to get a targeted 80K sign-up bonus. I am starting to evaluate the Sapphire as the Ink has replaced it and I may drop the Sapphire to get Explorer bonus or something nicer next year.

Don't cancel any cards. You're much better off applying and being turned down, then calling reconsideration and offering to close an existing card or move credit around. If you cancel the card yourself you lose this leverage.

Don't cancel any cards. You're much better off applying and being turned down, then calling reconsideration and offering to close an existing card or move credit around. If you cancel the card yourself you lose this leverage.

+1 Don't lose your bargaining chip by canceling any cards.

I have 4 personal Chase cards and 1 biz. They won't seem to let me have more than that. It has been all reconsideration for me the last several times.

2 Sapphires
1 United
1 Continental
1 SW
1 Ink
They tell me no I'll swap out the Continental....for the new Ink...or...Freddom

In the spirit of Easter, consider this thread resurrected. I have seen comments by a number of FTers that Chase caps individuals at 5 or 6 cards. While I always have thought that to be arbitrary - rather than total limit across all cards, which seems more scientific - I haven't ever gotten past 6 open accounts...until an approval today. I now have 7 Chase cards, all with relatively low limits. No reconsideration call was needed.

Just approved for my 7th several minutes ago. Now have:
Chase Amazon: opened when I didn't know better but still there.
Chase Slate: Opened many years ago and still has a reasonable credit limit
Chase Freedom: go to card for purchases under $20 due to 10% bonus plus 10 points.
Chase Disney: only a year old but had, what I thought at the time, was a good signup bonus.
Chase Southwest: two months old, but 50K signup bonus counting towards companion pass.
Chase Southwest business: approved several minutes ago with 50K bonus.
Chase INK business: not sure why I have this - didn't know any better at the time.
Total credit line for the above is minimal - right around 50K

In addition, wife was recently approved for:
Chase Southwest - 50K bonus, and
Chase Sapphire - 50K bonus.

200K in last two months with minimum spends all met. Hopefully will see my companion pass shortly on my account as I will pick up the additional 10K with Erewards, Wyndham points, and some spending.

I got 6 cards.

1 business: Freedom

5 Personal:
Freedom
Amazon
United Mileage plus explorer
BA
PC

Just wondering who got the most chase cards?

5 personal:
Freedom
United MPE formerly a Continental OP
United MPE
Sapphire Preferred
Fairmont

UA
BA
Freedom
Sapphire
Ink Bold

so 5 in total, but planning on some Chase Hotel cards in the near future.

6 personal + 1 business...I'm in the lead!

CSP
Palladium
Fairmont

I've closed Amazon and UAL recently to move those limits to CSP.

wonder anyone here got more than 6 or 7? Does Chase has a limit after certain number no matter what they won't approve any more new card?

6 personal 1 business.

Sapphire Preferred - my main card.

Subaru (5% in Subaru bucks on all spend. Capped at $500/yr. We are a Subie family, so no problem spending the Subaru bucks.)

United Strictly for the sign-up bonus. Will drop at fee time.

Personal:

Amtrak Guest Rewards MasterCard
Hyatt Gold Passport Visa
Priority Club Rewards Visa
United MileagePlus Select Visa

Business:

Ink Visa

Currently... only 2. UA & BA. Next is Ink Bold & Sapphire Preferred.

I have two: MileagePlus Explorer & Sapphire Preferred

Will upgrade the MP Explorer in about two years to the United Club Card. May also apply for the British Airways Visa simply for the EMV chip if the Club Card or Sapphire Preferred still don't have it by then.

5. All personal.

- I've had the Amazon card for a number of years.
- I have a legacy United Plus card that earns EQM's for united.com purchases.
- CSP. . . one of my main cards.
- United Explorer. . . nice sign-up bonus earlier this year but not a card that I find much use for.
- Freedom. . . just signed up for earlier this year. Use for small purchases.

I'd like to add a hotel card or two, but I don't want to overdo it. I'd probably be okay keeping and paying the fee for the Explorer even with the limited use, but I may cancel it before adding the hotel card out of concern of having too many Chase cards.

3 personal + 2 biz for me, havent had to close any yet.

3 - I started with hotels to get extra points on biz trips (company pays directly for flights, we do expense reports for hotels):

AARP (RIP 5%) - 15K CL
Marriott - 11K CL
Hyatt - 5K CL (they had me reallocate from Marriott)

Next is probably Ink Plus. Next year will be the airlines.

I had 5 personal cards, but only 4 now. I closed 2 of them to get approved for the 70k Marriott offer. I'm planning on cooling it with Chase for a while, maybe a year or so before getting back into it.

I have four chase cards but previously had five at the same time.

wife has 6 Personal, 1 Biz; I have 5 personal

two business, six personal:

Ink Bold (old)
Ink Bold (new)
United (old Continental)
United
Priority Club
Sapphire
Hyatt
Marriott

3 Personal now.

For the longest time (and I have solid income and credit history), Chase had kept me at 1 card only. I have no problem with other issuers. So I'm happy with the 3 and threading cautiously with Chase.

I only have 2, because I recently closed 1.

Freedom (keeper)
SP (keeper)
United (11 months unless they waive the fee)
Ink Bold (keeper -- I actually have a business and really like the card)

5 Personal & 2 Business

Personal
2 Freedoms
Hyatt
Priority Club
Southwest Premier

Business
Ink Bold
Southwest Premier

CSP
Freedom
Palladium
Ink

I want to keep applying for Chase cards, but all these stories of individuals getting shut down makes me wary.

What's keeping people on CSP with Palladium? Dining? Is it worth additional $95 just for the dining benefit? Looking to switch CSP to Palladium in the near future.

Current:
Amazon keep for AZ
Freedom keep for xfers and 5% earnings
CSP debating to swap for Palladium
Disney keep for Disney related purchases
ToysRUs : on/off again

Ink Bold Business : test driving (currently have Amex Plat)

Ink Bold

CSP Preferred
BA
United Mileage Plus
Disney (old)

I'm ready for my next round of apps, but am torn which to go for.

7 for me: 6 personal + 1 business

Disney
Slate
BA
Hyatt
Sapphire Pref
United
Ink Bold

Freedom
United mp
Swa personal
Swa biz
Csp

Next will be ink bold and united biz

i have 5 cards
hyatt
sapphire
fairmont
marriot
intercontinetal

What's keeping people on CSP with Palladium? Dining? Is it worth additional $95 just for the dining benefit? Looking to switch CSP to Palladium in the near future.



50,000 UR points sign-up bonus and first year AF waived for CSP is why I have it; surly that math works. I opened Palladium before getting the CSP offer.

I've got 4. Only had to wait a day on my last one for recon to go through (UA Explorer).

Amazon (which would be the first I'd close if they ask next time)
Sapphire Preferred
UA Explorer
Freedom

BA
Priority Club
UAL (likely to go since it is the old card without the benefits...want Hyatt instead)
Sapphire Preferred

I have 4 personal. Got them in this order
- Freedom
- Southwest
- Marriott
- Sapphire preferred

I don't want to push it with Chase so I won't be apply for another 6 months until the SW card comes due. I plan on keeping the others.

I'd love to get a Ink Bold but I don't have a business :(

4 personal. All in the last 1 year
- Priority Club
- Sapphire Preferred
- United Explorer
- United Club

No more Chase cards for another year or so.

2 x Ink Bold for business

UA
Marriott
Sapphire
BA
Hyatt
all personal

I have had CO, UA, BA for 5+ years. Rest is new.

I have 4 personal. Got them in this order
- Freedom
- Southwest
- Marriott
- Sapphire preferred

I don't want to push it with Chase so I won't be apply for another 6 months until the SW card comes due. I plan on keeping the others.

I'd love to get a Ink Bold but I don't have a business :(

I have not had problems opening Chase cards in consecutive months. You might need to call recon for 2nd one though.

I have 2 personal. Got them in this order:

Amazon
Freedom

And I'm not a US resident...

It would be interesting to see the limits folks have on each card (since Chase is so good about reallocation of limits); especially for those with 5 or more cards.

ETA: I'll start

CSP 25K
Palladium 40K
Fairmont 60K

7 personal 0 business

Disney
Amazon
Freedom
United Explorer
Priority
Marriott
British Airways

Freedom
Sapphire Preferred
Ink Bold (either this or the CSP is going to be a keeper!)
UA MP Explorer

In the past, I've had the old UA MP and the old CO Onepass. They are not open any longer. I guess I like air cards a lot more than hotel cards :D

6 personals, one biz

when i apply for new chase card, i close one card

Back in February I got a Chase Sapphire Preferred and this month I opened the Chase United MileagePlus Explorer. I'm needing United miles and Hyatt points as I am planning a trip to Maui in 6-7 months. When my plans are more definite, I would like to apply for the Chase Hyatt as I'm wanting the free two nights certificate. I'm figuring that I will apply for the Hyatt in November.

How many Chase CCs can be open at a time? Think I'd be okay obtaining 3 this year?

I have four.

How many Chase CCs can be open at a time? Think I'd be okay obtaining 3 this year?

Yeah, no sweat. I picked up 3 personal and 1 business this year and I had picked up 3 personal last year.

http://thepointsguy.com/2012/07/sunday-reader-question-how-many-chase-cards-one-person-can-have/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+thepointsguy+%28The+Points+Gu y%29

At max, I've only had four from Chase. Right now, just have 2.

It would be interesting to see the limits folks have on each card (since Chase is so good about reallocation of limits); especially for those with 5 or more cards.

ETA: I'll start

CSP 25K
Palladium 40K
Fairmont 60K

WOWWWEEEE! I have 3 Chase cards (just started in on this whole credit cards for miles/points last year) and my credit limit on the last card (SW Plus) was only $1,000. Didn't really care since I was getting it for the miles, but it's so low. I've recently gotten hubby into it, and am annoyed that he keeps getting higher credit limits than me! I've got excellent credit, and make more money (per hour) than he does, but since I'm only working part time after the arrival of our first child, his income is larger than mine.

I can't actually picture any scenario where I receive a 60K credit limit on a card. NICE!

It would be interesting to see the limits folks have on each card (since Chase is so good about reallocation of limits); especially for those with 5 or more cards.

ETA: I'll start

CSP 25K
Palladium 40K
Fairmont 60K

Haha, I realized I didn't actually answer the question from the post.

I'm in my early 30's with a modest part-time income, and I've got the following cards/limits:

CSP 13k
Hyatt 20k
SW Plus 1k (so sad, right? I can't hardly get airline tickets for the family for under 1k)

wonder anyone here got more than 6 or 7? Does Chase has a limit after certain number no matter what they won't approve any more new card?

Total of 8 - 2biz, 6personal.

Biz:
Ink Bold
SW

Per:
SW
UA Club
UA Exp
Amazon
Hyatt
Sapphire

Total of 8 - 2biz, 6personal.

Biz:
Ink Bold
SW

Per:
SW
UA Club
UA Exp
Amazon
Hyatt
Sapphire
do you have time lines on those cards? Thanks

WOWWWEEEE! I have 3 Chase cards (just started in on this whole credit cards for miles/points last year) and my credit limit on the last card (SW Plus) was only $1,000. Didn't really care since I was getting it for the miles, but it's so low. I've recently gotten hubby into it, and am annoyed that he keeps getting higher credit limits than me! I've got excellent credit, and make more money (per hour) than he does, but since I'm only working part time after the arrival of our first child, his income is larger than mine.

I can't actually picture any scenario where I receive a 60K credit limit on a card. NICE!

The 60k limit was after a credit limit increase request from the initial approval of 15K. The CSP limit resulted from combining now-closed card limits. I also reallocated some no-closed cards' limits to Palladium.

4 personal:
CSP
Marriott Premier
Freedom
British Airways

1 Business:
Ink Classic

i have 5 all this year too!
sapphire preferred
southwest
united
british
hyatt

Starting with an existing Chase Slate card, I have added the following this week:

Hyatt
Marriott
Fairmont
IHG/Priority Club

I also added an SPG Amex, BofA Virgin Atlantic and Citi HHonors Reserve this week to boot. It took some shifting of some credit limits on the chase cards (seriously, some of the credit limits were in excess of $20K and I rarely go over $1K in spending!). Have to say the Chase reconsideration line was most helpful. Most of the cards have benefits I am willing to pay the annual fee for (like HHonors Gold status) and the SPG Amex is just a great one to have.

I would have gone for Citi AAdvantage as well, but I already have three cards (one of them has 20+ years of history).

do you have time lines on those cards? Thanks

The time line is scattered a bit. I've had others: BA, CO, a different UA, another INK - those were closed to make room. I have only had Chase cards for about 2.5 yrs.

Barclay:
- US Air

BOA:
- Virgin America
- Hawaiian Air 1 (BOA)
- Hawaiian Air 2 (BOH)
- BankAmericard
- some college alumni card

Chase:
- United Explorer
- Freedom

Citi:
- 3x AAdvantage
- Dividend Select

Probably get started on the business cards haha

Ink bold


Personal
Chase freedom
Chase ba
Chase saphire.
I need to catch up all those cards was in 2012.

Only 3, but I'm happy with these three -

Chase Sapphire
Priority Club
United Airline

After 3 months waiting, I pulled the trigger again. The only cards I like are all from chase. I am not churner of the credit card. I just like their product.

Three months ago, I posted about my experience to get 3 chase cards in one day. Some people just do not believe that.


http://www.flyertalk.com/forum/credit-card-programs/1354466-one-day-three-chase-cards-four-months-total-6-chase-cards.html


Today's experience confirmed my view of chase policy: as long as you really need and use chase credit cards, and you have ability to pay for it, there is no specific limit how many cards you can get from chase.

Today I got priority club card and ink plus. All were under review first. After 5-10 minutes call with reconsideration line, both got approved without any trouble. They did ask why I need so many chase cards. I said from this feb I opened checking and saving accounts with chase. Your banker introduced me so many fantanstic credit card products. I applied for your cards every three months and I really need them and use them. You can check my account statement. I moved almost all my spending to chase cards. Every month I spent at least 50k on your credit cards and never missed payment.

That's it. They said they really appreciate my business and your card has been approved.

some background:my credit score ranged from 680 to 710 and short credit history.

Priority Club card is nice since I abandoned my marriott card and changed to intercontinental and hyatt. Usually I use PC point redemption to pay for my stay. This card has 10% for redemption and platinum membership. That is just what I want.

I like ink bold so much because of 5 points per dollar on office supply. But there is only 50k limit per year. That is not enough for my spending. Ink plus is almost same product except it is a credit card.

I entered points and miles world from this febuary and learned a lot from this forum. Almost all my air tickets and hotels were paid by points since then. I really appreciate the information I got here. Thank you all.

After 3 months waiting, I pulled the trigger again. The only cards I like are all from chase. I am not churner of the credit card. I just like their product.

It is amazing. It seems that as long as you are a big spender you can get any credit card you want.

After 3 months waiting, I pulled the trigger again.

What do u do for work and what kind of charges do u make? With that many cards, I've seen chase shut down people.

What do u do for work and what kind of charges do u make? With that many cards, I've seen chase shut down people.

I do not think chase will close any of my account. My credit cards application is not for signing bonus although I like it. My personal card charges are daily expense like restaurant, supermarket, air tickets, hotel and luxuary stuff. My business card charges are mostly for office depot, staples, travel-related expense, gas and many other things. It is just normal and big.

Does everyone keep the cards with an annual fee? I am trying to decide if I should keep priority club, united, and hyatt cards.

Does everyone keep the cards with an annual fee? I am trying to decide if I should keep priority club, united, and hyatt cards.

Priority Club is a no brainer. You get a night at an IHG property for the $49 annual fee. You would be hard pressed to find a 3-4 star room in just about any major city in the world for less than $49/nt. Plus you get a 10% rebate on points redeemed AND you have platinum (top-tier) status with Priority Club as long as your a card holder. The Hyatt card is a little more blurry. You get a night in a cat 1-4 Hyatt property for the $75 annual fee. You may be able to find the occasional 3-4 star room for around $75/nt on some blind bidding sites. I feel like it's sort of a wash, but I still may keep the card because the included the platinum (mid-tier) status with Hyatt tilts the balance a bit. Plus i need a card with a chip to use when I travel.

I rarely fly United so I'll cancel that one when the fee comes due. The free check bag may make it worth it for some people though.

More on topic, I was just approved for 2 new Chase cards, but I had to cancel my Marriott card to get approved for the 2nd one. I now have the following:

Business:
Ink Bold (new)

Personal:
IHG/Priority Club (new)
Hyatt
Sapphire Preferred
Freedom

I already have an Amazon Visa from Chase I opened years ago. I just got accepted for the United MilesPlus, from Chase, and I was planning on opening one for the Sapphire. Is there a chance they won't offer me the miles on the third card?

pooter03's question has been appended to an established thread on this topic. Reviewing the preceding posts should resolve the question.

I already have an Amazon Visa from Chase I opened years ago. I just got accepted for the United MilesPlus, from Chase, and I was planning on opening one for the Sapphire. Is there a chance they won't offer me the miles on the third card?

I have gotten miles this year for Chase Sapphire Preferred, Hyatt (the free-night certs), United Explorer, and Marriott. My wife has gotten miles for the first three. I don't think you have anything to worry about.

Thanks for reminding me to get a Chase Southwest business card also!

Currently have Freedom, Sapphire Preferred, and just got approved for PC and business Ink Bold. Just recently closed SWA.

Thanks :)

Well, I tried to go for one more card today - even though I had plenty of credit to shift around, I was told that current Chase policy is to limit the number of personal cards one can have to 5 . You are allowed to have additional business cards, though. {:v(

Well, I tried to go for one more card today - even though I had plenty of credit to shift around, I was told that current Chase policy is to limit the number of personal cards one can have to 5 .

That's good to know. I've been holding off on getting more Chase cards just in case one comes along that I MUST have, and only then do I find out that I've already reached the limit. (Runs off to apply for more cards...:))

there's a lengthy discussion here (http://www.flyertalk.com/forum/credit-card-programs/1369343-how-many-chase-cards-do-you-can-you-have.html) that might help you.

Does everyone keep the cards with an annual fee? I am trying to decide if I should keep priority club, united, and Hyatt cards.

From what I have read, it seems that many do not cancel the Chase cards. Instead, they use them to negotiate with when opening new cards. I have 4 Chase cards now, two that I definitely wish to keep long term, one I definitely wish to close, and one that provides at least marginal benefits to offset the annual fee. That last I may close or keep open.

There are at least 2, maybe 3, Chase cards out that I would wish to open for bonus AND to keep longer term. These are hotel cards that offer a nice signup bonus plus free nights on renewal. (Priority Club, Marriott, Hyatt)

Closing a card outright can mean a ding on the credit score, as it can affect credit utilization ratio. I am not too worried about that as I keep that ratio at about 1% and can do so even after closing a card. But you may wish to factor that in your decision.

My own plan/hope is that when I apply for my next Chase card I will be asked to move credit lines around from existing cards. If so, at that time I can offer to close the card I no longer want. This would keep my credit line intact at Chase with no potential "ding" to my score from closing a card and reducing my credit line. I would have just the slight temporary "ding" from a new hard pull for the new card.

four

Hyatt
United
Amtrak
Priority club

Will try for ink bold next

Biz:

Ink Bold

Personal:

Freedom
Sapphire
PC
BA

Next up is the UA Explorer.

Well, I tried to go for one more card today - even though I had plenty of credit to shift around, I was told that current Chase policy is to limit the number of personal cards one can have to 5 . You are allowed to have additional business cards, though. {:v(

Before giving up all together, I called the Chase recon number after the Monday holiday. The woman was very nice as I explained that I just wanted to double check if only 5 personal cards are currently allowed as I was told this by recon over the weekend. She asked me to wait as she did some checking - she came back after a couple of minutes and said she would split the credit line of one of my other cards and have the new card application approved. I thanked her repeatedly and said that we use our Sapphire Preferred / Freedom combo 90% of the time, but when we fly on / stay at a Chase card affiliated airline / hotel, we then like to use that particular card. I have no intention of churning my Chase cards - I really do intend to keep and make use of all of them. So as of today I now have 1 Chase business card and 8 personal cards. :)

Before giving up all together, I called the Chase recon number after the Monday holiday. The woman was very nice as I explained that I just wanted to double check if only 5 personal cards are currently allowed as I was told this by recon over the weekend. She asked me to wait as she did some checking - she came back after a couple of minutes and said she would split the credit line of one of my other cards and have the new card application approved. I thanked her repeatedly and said that we use our Sapphire Preferred / Freedom combo 90% of the time, but when we fly on / stay at a Chase card affiliated airline / hotel, we then like to use that particular card. I have no intention of churning my Chase cards - I really do intend to keep and make use of all of them. So as of today I now have 1 Chase business card and 8 personal cards. :)

Would you be willing to share how many non chase cards you have?

I've had 8 Chase credit cards in the past. Have 7 now, but I can see myself applying for a couple of more.

7, all personal and could think of getting a couple more.

ink old
ink bold
ink business
united
southwest
southwest business
Air Tran new one..
sapphire

6 personal 2 business.
Look like I am short some hotel cards..

I closed my BA card, but I do have a business and personal checking with Chase, all are paid in full with CC auto pay. all have limits in excess of 10k.

Chase is in the business of selling CC services, you pay and they will give you the cards.
Citi and other are the same way...it's a business service. use it. you abuse it you will lose it..

I did not know they had so many cards...like a candy store..

Would you be willing to share how many non chase cards you have?

Citi AAdvantage Visa for American flights
Barclays Dividend Miles MasterCard for US Air flights
Amex Hilton HHonors for Hilton stays
Amex SPG for Starwood stays

Will probably go for the Delta Gold Amex 70000 offer next time it pops up for Delta flights.

Basically covering all of our bases with regard to airlines and hotels we actually have used or will use.

My wife has a similar number of cards. No idea what our credit scores are, but for the last 15+ years we have paid off all balances every month and have never had a late payment. So far neither of us has been denied approval in the end for a card. I thought that this was going to be the first time.

Just got approved for my fifth card.
CSP, Freedom;UA Select;BA;PC

Just activated my fourth (MileagePlus Explorer)

Freedom
Sapphire Preferred
Marriott
MileagePlus Explorer

Hello,

I just got rejected by Chase for having "too many cards with us." Just curious, what's the threshold for having too many cards? Right now I have 5 cards, and I'm thinking to close some of them to avoid getting this type of rejection in the future. I've gotten the signup bonus on a lot of them, so there's no use keeping them around.

Also, does it have to do with the fact that my last card with them was only 2 months old? Maybe they see that I've applied for a card recently and it was too soon to apply for a new one?

Nyold, so my advice would be to call their reconsideration line and explain your situation.

As far as I know there is no limit to the number of cards you can have with them. Ultimately, what they care about is the total credit they have extended to you. So you can ask them to potentially move credit from another card onto the card you recently applied/got denied for and see if that will make a difference.

If you can explain to them why you want a new card and are willing to move some credit around without them giving you any new credit, I'm not sure why they would deny you.

I've had similar experiences, rejected because my credit line was already too high, I just asked them to reduce the line on one card and move it to another and I was approved with no problem.

Hello,

I just got rejected by Chase for having "too many cards with us." Just curious, what's the threshold for having too many cards? Right now I have 5 cards, and I'm thinking to close some of them to avoid getting this type of rejection in the future. I've gotten the signup bonus on a lot of them, so there's no use keeping them around.

Also, does it have to do with the fact that my last card with them was only 2 months old? Maybe they see that I've applied for a card recently and it was too soon to apply for a new one?

2 months old for the most recent might be the reason, if you have 5 already.

Nobody talks about income on here. They seem to ask it on every application I've ever done. It stands to reason that someone with a $100k salary might be able to acquire 7+ Chase cards because they have more income to spread out, which means they have more credit lines that can be shifted. I would assume (and since nobody really likes to talk about their personal income, we're left with assumptions) that +760 score and +$100k total income would allow you more cards than +760 and $60k total income.

Score is only one factor in the approval process.

so i am thinking of getting the explorer for UA and saphire prefered..so i can get some decent miles for UA. i never applied witih chase - should i apply for anymore to get more UA miles or two for a first churn with chase is enough?

what is the time frame , once i get the miles to cancel and apply for a new chase card?

You could always apply for the Chase Ink Bold or Plus as they are both business cards.... they do have rather large spend requirements though so you may want to limit it to just two cards to start from Chase. At the end of the day it is up to you. Do you have a destination in mind with those miles? Why are you particularly interested in United?

There is no need to cancel the card until you are close to the annual fee. Chase will want to see that you use the card and do not just open it and then close it. If you wait at least 90 days in between "churns" that should be enough. I would recommend trying to use different banks for your churns though i.e. Citiank, BofA, Barclay, Chase, etc.

You could always apply for the Chase Ink Bold or Plus as they are both business cards.... they do have rather large spend requirements though so you may want to limit it to just two cards to start from Chase. At the end of the day it is up to you. Do you have a destination in mind with those miles? Why are you particularly interested in United?

There is no need to cancel the card until you are close to the annual fee. Chase will want to see that you use the card and do not just open it and then close it. If you wait at least 90 days in between "churns" that should be enough. I would recommend trying to use different banks for your churns though i.e. Citiank, BofA, Barclay, Chase, etc.


yeah ink or bold would be good but i think their spend is like 10k which is out of my range - with sapphire preferred and explorer thats 4k and is reasonable.
I am interested in United cause i live in near IAH so thats a united hub.

so if i wait for the 90 days with chase/or any other band i would get the signing bonus again? i thought it more time than that?

the destination that i am thinking of is either Hawaii , purto rico or Caribbeans. I think purto rico is closest and if i am not mistaken it take about 70k for a round trip ticket. its for our anniversary so i need at least 140k?

I'm sorry I must have miss read the part about canceling the card. If you want to cancel and then re apply to get the bonus again it can vary from card to card but I believe most would be about 18 months from one approval until you could apply again and get the bonus a 2nd time. I've heard (haven't tried yet, but will soon) that you can churn the US Airways card multiple times.

Are you looking to get to Hawaii, Puerto Rico, or the Caribbean in a premium cabin or just free airfare?

I'm sorry I must have miss read the part about canceling the card. If you want to cancel and then re apply to get the bonus again it can vary from card to card but I believe most would be about 18 months from one approval until you could apply again and get the bonus a 2nd time. I've heard (haven't tried yet, but will soon) that you can churn the US Airways card multiple times.

Are you looking to get to Hawaii, Puerto Rico, or the Caribbean in a premium cabin or just free airfare?

Let me know how it goes with US air as i am interested in that because they are partners with RJ and thats a destination i go to every two years or so...if i can rack some US air miles and use them that way that would be great.

I don't need premium cabin, just a free airfare is good enough !!

In the majority of cases, Chase will assign the maximum amount of credit they are willing to give you to the first card you receive from them. Most of their worthwhile cards are either Visa Signatures or World Mastercards, each of which require a minimum $5000 credit limit. So to determine how many Chase cards you think you can get, take the your current combined Chase credit limit and divide by 5K - that will let you know how many cards you could possibly get by shifting your credit around.

In the majority of cases, Chase will assign the maximum amount of credit they are willing to give you to the first card you receive from them. Most of their worthwhile cards are either Visa Signatures or World Mastercards, each of which require a minimum $5000 credit limit. So to determine how many Chase cards you think you can get, take the your current combined Chase credit limit and divide by 5K - that will let you know how many cards you could possibly get by shifting your credit around.

I did my first churn last saturday and i already have my explorer and sapphire preferred ! combine limit is 10k - maybe within the next three month or so i'll see what other cards i may apply for, i am hoping for another big bonus - it depends if i can squize in two AA cards for the july trip we have planned.

so with the 10k limit ( they told me i can apply for an incrase later) i can probalby squize another card or two ...

A blog post on this topic:

http://travelsort.com/blog/how-many-chase-cards-can-you-have

A blog post on this topic:

http://travelsort.com/blog/how-many-chase-cards-can-you-have

nice site. how long has it been around? it seems more developed/commercialized than a lot of the other blogs from a web standpoint, yet gets less posts compared to other blogs.

It's been around for a while. Lucky at One Mile at a Time used to do guest posts.

Yeah, no sweat. I picked up 3 personal and 1 business this year and I had picked up 3 personal last year.

Did you have to reallocate lines with each? Wife just signed up for first CSP back in October, now we want to get her the UA MP?

Just activated my fourth (MileagePlus Explorer)

Freedom
Sapphire Preferred
Marriott
MileagePlus Explorer

That's my line up of Chase cards also - will most likely downgrade the SP and am on the fence with the Explorer card.

Did yall have to reallocate with your second card? Or are people only having to do that when they start getting extra cards?

My reallocation started with my 4th card... got a $30k limit on the Explorer and when I applied for the Freedom a month ago, I moved $15k from that card. Overall limit on all 4 cards is $70k. Ironically though, My Marriott card limit was slashed in half from $30 during the financial crunch which at the time was the only Chase card I had.

My reallocation started with my 4th card... got a $30k limit on the Explorer and when I applied for the Freedom a month ago, I moved $15k from that card. Overall limit on all 4 cards is $70k. Ironically though, My Marriott card limit was slashed in half from $30 during the financial crunch which at the time was the only Chase card I had.

Cool! Thanks for the point of reference! We both have a solid credit history, I just wasn't sure since we've just gotten into the "game" more and neither of us had all that much experience with chase.

7 personal, no business (yet)

-Disney (got this one 14 years ago, so keeping it to help age of accounts)
-Marriott (kept after AF to use Cat 5 cert)
- Priority Club (want to keep)
-Fairmont (will cancel before AF)
-Hyatt (booked Cat 4 Regency in SF using Cert so well worth AF)
-CSP
-United

I'd like to get an Ink card & Southwest

I've had and cancelled 2 BA cards, 3 Marriott, 2 PC over several years.

One.

MileagePlus Club

3:
Hyatt
Sapphire Preferred
Ritz-Carlton Rewards

I had 4 personal before I closed my two explorer ones today.

I have four cards:

Freedom
Sapphire Preferred
United
Priority Club

Haven't had to do any reallocation of credit yet.

I have 6 now, haven't had to reallocate or anything:

Personal:
Old ex-Washington Mutual card (not a rewards card)
Slate
Marriott Premier
Freedom MC
BA Visa

Business:
Ink Plus

Will likely dump the ex-WaMu card and the Marriott card soon enough.

Data point -- I applied for Marriott Premier today and got "requires further processing". Called the reconsideration line. They told me I had 6 chase CCs already with a total credit line of $XXk. (CSP, BA, Freedom, Amtrak, United Explorer, Ink Bold.) Asked how much of a credit line I needed on Marriott; I said $Xk. They said they could approve it if I moved that credit line from another card and gave me a choice of which one. I picked the one I used least, and was approved for my 7th chase card.

I had 4 personal before I closed my two explorer ones today.

Why did you have 2 personal explorer? did you get sign up bonuses fo rboth?

I have 7 (2 business, 5 personal):

- Freedom
- Amazon
- CSP
- Southwest
- Priority Club
- Ink Plus
- Southwest Business

Plan to get the United 55K offer soon and close the personal Southwest, I also may close CSP and get MC version. I'd also like to get Hyatt/Marriott/Fairmont in the future and reapply for the BA card which I last had two years ago.

Three:
Freedom
CSP
Ink Plus

Cancelled in last year:
SWA Personal
SWA Biz
Chase United
Chase Continental

I have 2 biz and one personal

ink bold
ink plus

sapphire preferred

cancelled Hyatt after 8 months and cancelled BA after 2 yrs. Waiting to get BA again.

8, 6 personal, two business

I would be curious to know the total CLs Chase has extended. My personal cards
have total CL of 25k. Plus 5k for Ink. Chase required me to reallocated
credit after 3rd card.

Personal:
Freedom
Southwest
Marriott
Freedom 2 (converted from CSP this month)
Priority Club.

Business: Ink plus

Looks like I'll have room for 1 more visa signature card if it requires min 5k CL. 2 of my cards have <$5k limit although 1 of them is visa signature

On my list is United MPE, Hyatt and Fairmont

I have 5 cards total, 4 personal and 1 business

Personal
Freedom Visa
Freedom Mastercard (Sapphire Preferred Visa converted to Regular Sapphire Mastercard converted to Freedom MC)
United MileagePlus
Southwest Premier

Business
Ink Bold

Currently 3 cards:
1. Ink Bold
2. Hyatt
3. JPM Palladium

Had, but cancelled.
1. Southwest
2. United
3. British Airways
4. Sapphire Preferred

I would be curious to know the total CLs Chase has extended. My personal cards
have total CL of 25k. Plus 5k for Ink. Chase required me to reallocated
credit after 3rd card.



I have $55K on 3 cards plus $10K for the ink bold.

So, question about the United MileagePlus card, I had a OnePass card since forever, and it finally expired this month. I was actually looking forward to receiving the new card because I know the United cards are VISA, and all the cards I have are MasterCard. I received my replacement a few days ago, activated it and didn't even look twice at it, but today when I used it for the first time I realized it is still MasterCard! Does that make sense?

I just add Hyatt card to my list. I do have to reallocate my credit limit though. Total of my limit with Chase is around 60k spread to 7 cards.

6 Personal:
Amazon
Freedom
United
BA
PC
Hyatt

1 Business:
Freedom

Me: CSP Sapphire Visa
Ink Bold
Priority Club

I was on Chase's internal blackball list since 1997 but I opened a bank account at my local Chase branch and the banker asked me if I wanted to apply. Of course, approval with a nice CL! Also got approval for my Ink Bold from my banker. The banker asked me why I wanted the cards with the annual fees (1st yr free). I told him that these cards had more bonus points. He looked at me & smiled. ;") My FICO's are around 800.

Wife: United
Marriott
Hyatt
CSP MC

cancelled:

British Airways (100K deal)
Sapphire Visa

currently 6
hyatt
united
sapphire
fairmont
IHG
airtran


cancelled
british airways
southwest
one pass
old united
all in the last 2 years

3 personal/1 business for me, all in the last six months

I had 7 at one time but now down to 3....ink..ink plus....and CO

5 at $47k CL..reported income $82k

CSP
United Mileage Plus
Southwest

Bus SW
Ink Plus

2:

Sapphire preferred & Slate. I use the slate randomly throughout the year (like my other "sock drawer" cards) just to increase the utilization portion of my credit score.

That's my line up of Chase cards also - will most likely downgrade the SP and am on the fence with the Explorer card.


With the recent change to Marriott rewards categories, unless the free cert is bumped to include Cat 6, I am cancelling the Marriott Visa.

That's my line up of Chase cards also - will most likely downgrade the SP and am on the fence with the Explorer card.


With the recent change to Marriott rewards categories, unless the free cert is bumped to include Cat 6, I am cancelling the Marriott Visa.

+1. That card really seems worthless now. I would love to convert that to another freedom :)

7 cards, 56.600$ CL
regular sapphire, disney, slate, british, united, southwest regular+southwest business

Already have SW, United and Sapphire Preferred. Need to keep all 3. Is it worth going for the British Airways or must I sit tight? Thanks.

Just saw a report on a blog that the 100k BA offer ends tomorrow at 6pm EST. Didn't look to confirm, so it might be completely wrong.

2 cards, ~$23k CL

CSP, UA MP Explorer

Why did you have 2 personal explorer? did you get sign up bonuses fo rboth?

I, too, have two personal explorer cards - 1 MasterCard, 1 VISA. The MC was converted from the old OnePass MC when CO and UA merged. The VISA, like everyone else, was by applying.

I have 5 cards total, 4 personal and 1 business

Personal
Freedom Visa
Freedom Mastercard (Sapphire Preferred Visa converted to Regular Sapphire Mastercard converted to Freedom MC)
United MileagePlus
Southwest Premier

Business
Ink Bold

How did u convert to mastercard? Doesnt visa and mastercards ah e different numbers

Just saw a report on a blog that the 100k BA offer ends tomorrow at 6pm EST. Didn't look to confirm, so it might be completely wrong.

Chase is going to relaunch the BA Visa with a similar offer (back up to 100,000 avios) some time next week. Don't rush to get a card just because every blog is screaming that a deal is ending (and highlighting how amazing avios are).

^ thanks for the tip, augustus! I was considering applying tonight.

I have 4 cards, 2 personal (BA & United Explorer) & 2 business (ink and bold+). Applied for freedom and it's pending, total CL 60k or so

Spouse has 5, 3 personal & 2 business, she has a SW and others are the same. Applied for freedom for her as well and pending, CL 70k

Freedom, CSP, Hyatt, SW, United & 2 Inks for me ...

Wife had SW, Hyatt, United till yesterday. Applied for CSP was asked to close down United ... and Ink application - had to close down SW & Hyatt both ... so she now has 1 personal and 1 ink...

I thought I had 8, but I just recounted...
10 total Chase cards

8 Personal:
2 Freedom (one converted from CSP)
AARP (enjoyed the temporary 5% back)
Hyatt
Fairmont
Priority Club
United Explorer
Southwest Premier

2 Business:
Chase Bold Ink
Southwest Plus

I have the following Chase cards:

Priority Club
Priority Club Select
Sapphire Preferred
Southwest (original with $59 annual fee)

My wife has:

Sapphire
Freedom
Priority Select
Southwest Premier

5

Personal:
Freedom
Sapphire P.
United
Southwest

Business:
Ink Bold

Next target is another Ink card and/or Southwest Business card.

I haven`t applied for a new cc since August, have 5 personal and 3 business cards with Chase. One card has been used heavily, others are not so much, depending on which points/miles I need/better value. I am tempted to open another Chase card and wondering if what I have with Chase is a safe approach to the benefits their cards have, or, I`m still within the limit?

Just applied and had to call and move credit line from one card to hyatt to get it. I have 60k credit with chase on 4 cards. Am I done with chase now? CSR said based on credit vs income she can transfer line not offer more credit. I never had to call in to get approved or move credit line been with chase 20 years.
hyatt
southwest biz
sapphire
freedom

Chase just closed all my cards today.

I have about 7 currently but always pay them off each month and also have had a mortgage with Chase for 20 years. They always told me I was one of their best customers. I churned a few. They've always given me much higher credit lines than I needed.

The supervisor said he didn't know anything and that I'd get a letter in 3-5 days. I have 250,000 UR points and was about to get 2 RT's on AirTran. Just two days ago they transferred my bonuses for the Southwest cards that got me a companion pass.

Anyone else getting this ? Any chances?

I applied

Last month:
Southwest - Personal - approved
Southwest - Business- approved

Today:
Sapphire - approved
Ink - declined


They said I was declined because of too many applications and to wait 30 days.. should I try a different agent?

I currently have 6 personal and 2 biz. I think i'm good for now

BA
Marriott
Hyatt
PC
United
WN

Ink Bold
Ink Plus (newest bonus just hit)

I applied

Last month:
Southwest - Personal - approved
Southwest - Business- approved

Today:
Sapphire - approved
Ink - declined


They said I was declined because of too many applications and to wait 30 days.. should I try a different agent?

Typically Chase only lets you get one card per month, buuuut that's a personal card/business card combo, which shouldn't have been an issue. Weird.

Typically Chase only lets you get one card per month, buuuut that's a personal card/business card combo, which shouldn't have been an issue. Weird.


I called in again and they said the issue is how much credit they have given me.. They need to see how I handle it

I had 4 going into my mini AoR yesterday (2 Freedoms, 1 Slate, 1 Sapphire Preferred). Total CL $40k, reported income 85K.

I was approved for 2 more (1 United Explorer and Ink Bold) after calling in. Had to reallocate 4k to the United Explorer. For the Bold, had to answer some questions and was given a $10k CL.

5 personal, 1 biz. Seems like I'm close to my max (at least until I close some).

How did u convert to mastercard? Doesnt visa and mastercards ah e different numbers

I just send Chase a message asking to convert my Sapphire Preferred Visa to a regular Sapphire Mastercard since I was nearing the end of the first free year. The account number did change, but that wasn't a problem.

I called in again and they said the issue is how much credit they have given me.. They need to see how I handle it

Did you offer to close an older card or shifting some available credit?

Did you offer to close an older card or shifting some available credit?

The other three cards were opened a few weeks ago.. I did offer to transfer and they said no.

The other three cards were opened a few weeks ago.. I did offer to transfer and they said no.

Interesting. I've never been told no when I agreed to do reallocate, but then again I've never tried to open more cards that quickly.

It's been a few months, so I'm going to apply for another 2 next week.

Chase is going to relaunch the BA Visa with a similar offer (back up to 100,000 avios) some time next week. Don't rush to get a card just because every blog is screaming that a deal is ending (and highlighting how amazing avios are).

I'm still waiting.

Typically Chase only lets you get one card per month, buuuut that's a personal card/business card combo, which shouldn't have been an issue. Weird.
Actually, Chase allows two cards in 30 days. It doesn't matter if it's personal/personal or personal/business. You may be declined on the second application, but a call into reconsideration will clear it up.

Chase just closed all my cards today.

I have about 7 currently but always pay them off each month and also have had a mortgage with Chase for 20 years. They always told me I was one of their best customers. I churned a few. They've always given me much higher credit lines than I needed.

The supervisor said he didn't know anything and that I'd get a letter in 3-5 days. I have 250,000 UR points and was about to get 2 RT's on AirTran. Just two days ago they transferred my bonuses for the Southwest cards that got me a companion pass.

Anyone else getting this ? Any chances?
How many is a few? Over how many years? Which cards? Did you abuse the office supply store 5X? Transfer UR points to other non-spousal/household accounts? That upcoming letter may explain the reason for the closures. Anyways, sorry to hear Chase shut you down.:(

How many is a few? Over how many years? Which cards? Did you abuse the office supply store 5X? Transfer UR points to other non-spousal/household accounts? That upcoming letter may explain the reason for the closures. Anyways, sorry to hear Chase shut you down.:(

Nope no transfers, many cards and they kept upping the CL's. 2 Amazon payments in past year, maybe 7 OD Vanillas last year, all accounts always paid to zero each month, and I have had a mortgage and savings with Chase for 20 years.

Unlike AmEx which gives you 2-week notice on an FR and lets you transfer out MR points, Chase on a whim and at random will close all your accounts and forfeit all your UR points. Never leave UR points in Chase.

Chase just closed all my cards today.

I have about 7 currently but always pay them off each month and also have had a mortgage with Chase for 20 years. They always told me I was one of their best customers. I churned a few. They've always given me much higher credit lines than I needed.

The supervisor said he didn't know anything and that I'd get a letter in 3-5 days. I have 250,000 UR points and was about to get 2 RT's on AirTran. Just two days ago they transferred my bonuses for the Southwest cards that got me a companion pass.

Anyone else getting this ? Any chances?

Please post when you get the letter, although I suspect the letter my be vague and unhelpful. This seems odd.

CSP & Slate. Have had a Slate since I was 18 and haven't touched it a very long time. I want the Ink cash and Freedom but hoping for a bigger bonus.

i just got my 7th personal chase approved after moving data limit,i think i will stop applying with chase for some time

i just got my 7th personal chase approved after moving data limit,i think i will stop applying with chase for some time

I'm in a similar boat...I currently have six personal cards open and am going to be closing one to open a different card when the annual fee comes due. I'll probably be done for a while with Chase personal cards until the time comes to want the Hyatt card. Chase is really the best issuer with the exception of the AMEX warranty ease of use and perhaps some of the AMEX travel benefits, Chase has pretty much everything I could need and as a result they get most of my spending.

Chase is really the best issuer with the exception of the AMEX warranty ease of use and perhaps some of the AMEX travel benefits, Chase has pretty much everything I could need and as a result they get most of my spending.

+1
Yeah, I put 95% of all spending to my CSP, and am thinking about getting the Freedom for maximizing points/miles. However, as much as I want to get rid of my Amex Plat for that darn high fee, I cant help but love some of the travel perks and good warranty. Getting my rental car dinged but having Amex Plat as my primary premium CDW was enough for me to fall in love with that card. It would of cost me $1200 for a deductible, but instead only $19.95 because I purchased the Premium.

I thought I had 8, but I just recounted...
10 total Chase cards

8 Personal:
2 Freedom (one converted from CSP)
AARP (enjoyed the temporary 5% back)
Hyatt
Fairmont
Priority Club
United Explorer
Southwest Premier

2 Business:
Chase Bold Ink
Southwest Plus

Opened two more cards via re-allocation (added a CSP MC and Marriott card..) closed the AARP card during the process.

So I'm now at 11 total Chase cards - 9 personal cards, and 2 business cards.

Have the CSP, United MP Club, Freedom, and just opened the Hyatt (though I'm probably going to drop the MP Club soon).

Want to apply for the Ink Plus but am worried about rejection since I opened the Hyatt less than a month ago. Do they differentiate between business and personal or will an application lead them to look at the personal cards I have issued to me?

My current cards:

-Chase Freedom
-Chase Sapphire Preferred
-Chase Slate (Product changing soon)
-Chase Amazon
-Chase AirTran
-Chase Southwest

Chase just closed all my cards today.

Unlike AmEx which gives you 2-week notice on an FR and lets you transfer out MR points, Chase on a whim and at random will close all your accounts and forfeit all your UR points. Never leave UR points in Chase.

everytime I read something like this, I empty my UR account into UA and/or Hyatt

My current cards:

-Chase Freedom
-Chase Sapphire Preferred
-Chase Slate (Product changing soon)
-Chase Amazon
-Chase AirTran
-Chase Southwest

what are you PCing to?

Chase just closed all my cards today.

I have about 7 currently but always pay them off each month and also have had a mortgage with Chase for 20 years. They always told me I was one of their best customers. I churned a few. They've always given me much higher credit lines than I needed.

The supervisor said he didn't know anything and that I'd get a letter in 3-5 days. I have 250,000 UR points and was about to get 2 RT's on AirTran. Just two days ago they transferred my bonuses for the Southwest cards that got me a companion pass.

Anyone else getting this ? Any chances?

Well? What did the letter say?

everytime I read something like this, I empty my UR account into UA and/or Hyatt
even i emptied my account to UA,as i was for my seventh chase personal card

Have the Chase United Card and the Sapphire Preferred, went to apply for the Freedom card to take advantage of the rotating bonus but they're doing the whole manual review process. Pretty frustrating considering they gave me $20k limits on both previous Chase cards that I don't really need. Is it worth calling and asking to open the Freedom with $5k of limit from one of the other cards?

+1
Yeah, I put 95% of all spending to my CSP, and am thinking about getting the Freedom for maximizing points/miles. However, as much as I want to get rid of my Amex Plat for that darn high fee, I cant help but love some of the travel perks and good warranty. Getting my rental car dinged but having Amex Plat as my primary premium CDW was enough for me to fall in love with that card. It would of cost me $1200 for a deductible, but instead only $19.95 because I purchased the Premium.

You get that kind of coverage for free with the Sapphire Card and I believe the United Mileage card as well - no need to pay 19.95 to AMEX.

7 personal:
Freedom
Hyatt
Southwest
British Air
United
Marriott
CSP

2 Business:
Ink Bold
Ink Business

I also have a checking account with them. I've been a customer with them since right out of college in late 2007 and got my first credit card (Freedom) ever with them.

You get that kind of coverage for free with the Sapphire Card and I believe the United Mileage card as well - no need to pay 19.95 to AMEX.

With the Sapphire card (CSP and CS), you get secondary coverage, pretty much most credit cards made have secondary coverage. I even have some unknown student visa card with secondary car rental coverage. Of course someone correct me if i'm wrong, but The MP Explorer card is now down to secondary as well. Its very hard to find a card that carries primary coverage. The MP Club card has primary coverage, but at $395 a year (and I did highly considered this card), the benefits of the Amex Plat suits me better. So yes, I need to pay 19.95 for Amex's primary coverage.


Update: the MP Explorer card has Primary still: https://www.chase.com/online/Credit-Cards/united_explorer-travel-protection.htm

Very awesome, but I am still loving my amex plat perks (although the versus talk should be discussed here: http://www.flyertalk.com/forum/chase-ultimate-rewards/1262826-amex-platinum-vs-chase-sapphire-preferred.html)

Well? What did the letter say?

You'll often find with these 'Chase horror stories' that there is something more going on, be it rewards abuse, excessive cash equivalent purchases, or something else. Chase fires bad customers.

You'll often find with these 'Chase horror stories' that there is something more going on, be it rewards abuse, excessive cash equivalent purchases, or something else. Chase fires bad customers.

That would make sense to me. Churning cards or getting bonuses and never actually using the cards would probably raise a red flag. I recently received 2 new cards from them but am hoping that having a checking account and putting 40K spend a year on their cards keeps me safe.

Any chance Chase will bring back the 30k UR sign up bonus? Or should I just pull the trigger on the $100 sign up bonus?