Old Jan 19, 2017, 8:44 pm
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This thread--a continuation of previous discussions through May 2015 and December 2016--focuses on general Chase policies & practices for new applications. For information on specific Chase cards and their bonuses/terms/benefits, see the following threads and their associated wikis: Table of Contents
  1. Does Chase have a limit on the number or frequency of applications like Citi's 8/65 rule?

  2. What's this I hear about Chase denying applications to people who have recently opened a lot of credit cards?

  3. Does the 5/24 rule apply to applications for all Chase cards?

  4. How does Chase calculate the number of an applicant's new cards for purposes of the 5/24 rule?

  5. How does Chase calculate the relevant 24-month period? By calendar months? By exact days?

  6. Can I get around the 5/24 policy by closing cards I've opened in the past 24 months?

  7. Is there any way around the 5/24 policy (targeted mailers, pre-approvals, Chase Private Client status)?

  8. Can I apply for a specific Chase card and earn the bonus again after doing so previously?

  9. I'm an authorized user for a card issued to my spouse/parent. Does that prevent me from signing up for the same card and earning a bonus?

  10. I already have several Chase cards with a substantial aggregate line of credit. Will it improve my odds if I close an existing account (or lower its credit line) before applying for another?

  11. I wasn't auto-approved. Should I call in?

  12. How can I determine the deadline for meeting the spend requirement to earn the signup bonus?

  13. Once I meet the card's spend requirement, how soon will I receive my signup bonus points?

  14. Should I downgrade or cancel my existing cards before applying?

  15. Useful Chase telephone numbers

Does Chase have a limit on the number or frequency of applications like Citi's 8/65 rule?
Chase does not have a known limit. However, several reports (for example) indicate that Chase is highly sensitive to multiple applications within a short time period, and that the second (or subsequent) applications run a substantial risk of being denied. In many cases, this is likely related to Chase's practice of allocating a large credit line (up to an applicant's personal maximum) when approving a new card such as the first application in a series. (See also the discussion below concerning aggregate Chase credit lines.)

What's this I hear about Chase denying applications to people who have recently opened a lot of credit cards?
Starting in May 2015, Chase began denying applications for its own personal cards (e.g., Sapphire Preferred, Freedom, Slate & Freedom Unlimited) if the applicant's credit report shows that she or he opened 5 or more credit cards with any card issuer in the prior 24 months ("the 5/24 rule").

For a few days in early September 2016, Chase included explicit language ("You will not be approved for this card if you have opened 5 or more bank cards in the past 24 months") on the application page for the Sapphire Reserve card--and then promptly removed it. The absence of this language on landing/application pages for the CSR or any other Chase card is not a reliable indicator of whether the 5/24 policy applies.

See the next section for co-branded cards exempt from the 5/24 policy, and the later section discussing potential ways around 5/24.

Does the 5/24 rule apply to applications for all Chase cards?
Previously the rule did not apply to applications for the Ink Plus business card or to co-branded cards such as United, Hyatt, IHG, etc. However, on May 22, 2016 Chase extended its 5/24 rule to cover Ink business cards and some co-branded cards. (Note that there were premature reports that Chase Ink Plus would be made subject to the rule in March 2016 (which did not happen), and that all co-branded cards would follow in April 2016 (also did not happen).)

Although we had numerous reports of applications prior to May 22 being denied for a United/Hyatt/IHG/WN card by a CSR citing the 5/24 rule, the available evidence strongly suggested that those applicants had other serious issues--multiple Chase applications in a short period; large existing Chase credit line--and that overzealous CSRs gratuitously (and erroneously) invoked the 5/24 rule in the past as an additional supposed justification for the denial. Thus, it is difficult to separate such false positives from any change in Chase policy.

Instead, the most useful data points are those where an applicant is approved for a Chase card despite being over 5/24. Since May 22, 2016, we have such reports for these co-branded cards (in order from oldest to newest for each card):
For a longer list of cards apparently not subject to 5/24, check this link:
In November 2018, Chase seems to have possibly expanded 5/24 to more cards, possibly including some mentioned above. See this link:
Please follow discussion in the thread for current updates.

How does Chase calculate the number of an applicant's new cards for purposes of the 5/24 rule?
The 24-month count includes personal cards opened at other banks, and even cards on which the applicant is only an authorized user and not the primary cardholder. Chase has been extremely inflexible with this policy, with agents stating that there is nothing they can do to circumvent this restriction. However, in some cases Chase may reconsider a denial if the applicant has <5 new cards excluding cards on which s/he is an authorized user. You may need to escalate to the next level of customer service agent, as many front-line agents seem to be unable or unwilling to remove the authorized user accounts from the count.

Note:

How does Chase calculate the relevant 24-month period? By calendar months? By exact days?
In February 2017, a FTer reported a successful application a day or two after dropping from 5/24 to 4/24. However, because Chase sometimes approves applicants who are at 5/24 exactly (see above), this data point does not conclusively prove that Chase drops cards from its calculation on the exact 24-month anniversary of the previous bonus.

Can I get around the 5/24 policy by closing cards I've opened in the past 24 months?
No. Chase uses the information from your credit report, and closing an account doesn't make it disappear.

Is there any way around the 5/24 policy (targeted mailers, pre-approvals, Chase Private Client status)?
As to targeted mailers, we have insufficient anecdotal evidence to reach any reliable conclusions. (Reports suggesting no exemption from 5/24 here and here.)

There have been reports of people with more than 5 cards opened in the last 24 months being successful if they are already pre-approved for the card in question. To find out if you are pre-approved, you can call or go into a branch to ask. Success stories appear to be connected to Chase Private Client (CPC) status and the rollout of the Chase Sapphire Reserve card. In-branch pre-approvals (showing a green screen on the banker's computer) result in automatic approvals. Some (but not all) CPC clients had success in recon calls[[I]citation needed].

Can I apply for a specific Chase card and earn the bonus again after doing so previously?
It depends. A Chase card may be "churned" when an entirely new version becomes available. For example, business cards are distinct from personal/consumer cards. Note that simple variations among bonus offers do not amount to new versions/products for purposes of this rule.

Beginning in 2014, Chase began including explicit language in most of its offers, such as the following:
This new cardmember bonus offer is not available to either (i) current cardmembers of this consumer credit card, or (ii) previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months.
Effective August 2018, Chase imposed stringent additional restrictions on receiving the signup bonus for any version of the Sapphire card. See Sapphire (CSR & CSP) 48 months between bonuses, August 2018 and the master threads for each card (listed above) for details and discussion.

There are four key considerations in determining whether you can churn a given card:
  • The 5/24 policy discussed in detail above.
  • The 24-month bonus waiting period--in the case of Sapphire cards, the collective 48-month period--is measured not from the date of your previous application (or approval date, if different), but instead from the date you received the signup-related bonus on the previous card, which may be 3-4 months later than the approval date. The same rule applies regardless of the type of signup bonus received (points, miles, or free-night certs); anniversary benefits unrelated to spending requirements, such as annual IHG & Marriott certs, do not count as signup bonuses.
  • If you still have your old card of the same type, you're ineligible.
  • Chase's policy does not indicate whether there is also a minimum waiting period between cancellation and reapplication, and there is not yet sufficient anecdotal evidence from FTers to draw firm conclusions. At a minimum, a prudent churner will wait at least a week or two after cancellation before reapplying so that all of Chase's systems fully reflect that closure. (See first bullet point above.) At least one FTer has reported re-applying successfully 14 days after canceling the previous card.
Finally, note that if you reapply too soon, Chase may still issue you the new card. (This differs from some other card issuers, which may deny such applications outright.) In this case, Chase typically notifies you by letter within a month or two after approval that, as a previous cardholder, you will not receive the bonus a second time.

I'm an authorized user for a card issued to my spouse/parent. Does that prevent me from signing up for the same card and earning a bonus?
No. Being an additional user on someone else's account poses no bar to applying for that same card & bonus, except insofar as such cards may count toward the 5/24 rule (as discussed above).

I already have several Chase cards with a substantial aggregate line of credit. Will it improve my odds if I close an existing account (or lower its credit line) before applying for another?
Yes.

In the past, the conventional wisdom among FTers was that you were more likely to hurt your chances by closing an account or reducing CL unilaterally. However, substantial evidence from 2014 onward strongly indicates that Chase is increasingly likely to reject applications (or at least not auto-approve them) where an applicant has an existing total credit line that is high compared to his/her income & spending patterns. (For many members, the threshold appears to be in the $45K-60K range, but that is highly speculative.)

Recent reports suggest that closing accounts and/or voluntarily reducing credit lines increases the odds of auto-approval or in-branch pre-approval. (You can do either by calling or simply sending a secure message through your Chase online account. You do not need to provide a reason for the request.) For best results, keep at least $5K-10K in excess credit; if your application is not approved, you can always contact the reconsideration department and offer to reallocate that portion of your existing credit line. Note: despite allowing credit line to be moved between personal and business accounts in the past, Chase is no longer permitting such reallocation in either direction.

With respect to timing, it is better to reduce any CL as soon as you can conveniently do so, e.g., after meeting the bonus spend on a card you do not plan to use regularly thereafter. (Do not reduce CL on a given card if it would increase your "credit utiilization"--that is, the ratio of outstanding balance to CL--above ~30%. A high credit utilization number is a red flag for banks and can adversely affect your credit score.) Waiting until one's next application to lower a CL is less than optimal, as the reduced CL is not immediately recognized by all of Chase's systems.

There is no known minimum wait between lowering a CL and having the freed-up amount become available for purposes of a new application. A prudent applicant will, as recommended above, plan well in advance; failing that, an applicant would be wise to wait at least 24 hours between lowering a CL and applying for a new card.

I wasn't auto-approved. Should I call in?
It may be better to avoid calling Chase unless your application is denied. Many recent calls on pending applications led to denials, and many people report having success letting applications work their way through the system. Be patient. Time is on your side; increasingly, Chase CSRs are not.

If you do call, expect extensive and possibly hostile questioning. Be prepared to answer questions regarding the need for more credit, past credit apps for both Chase and other banks, income, business finances, etc. Know your CLs with Chase before you call so you know which card/s you are willing to decrease the CLs on. If the app is for a significant other who dislikes such calls, they can authorize you to speak on their behalf and hand the phone over to you.

How can I determine the deadline for meeting the spend requirement to earn the signup bonus?
Just send Chase a secure message (SM) through your online account. Although the deadline should in theory be N months from the date of approval (not the date of application or card activation)--where N is the number of months specified in the offer--Chase typically pads this period to account for the time required to fabricate and deliver physical cards. For example, a recent "3-month" deadline was in fact 114 days, as confirmed by Chase's SM confirmation.

Once I meet the card's spend requirement, how soon will I receive my signup bonus points?
Bonus points typically accrue at the close of the billing period in which you incur the corresponding charges. Points should appear in your hotel/airline account within a few days thereafter.

NOTE: If you complete your required spending in the last 7-10 days of the statement period, the bonus may not post until the following month's statement, even if the regular per-dollar points post on the first statement. This is normal behavior for Chase and is not worth a phone call.

Should I downgrade or cancel my existing cards before applying?
Useful Chase telephone numbers
(800) 432-3117 General Application Status Line, automated
(800) 436-7927 Alternative General Application Status Line, automated
(888) 609-7805 Alternative Personal Reconsideration line with live rep
(888) 269-8690 - Business Credit Card Application Status Line, automated
(800) 453-9719 Business Credit Card Reconsideration Line with live rep
(800) 955-9900 General Card Services and Application status, automated
(888) 298-5623 Credit Reallocation Office (Personal cards)
(800) 453-9719 Credit Reallocation Office (Business cards)
(888) 622-7547 Executive Offices
(877) 470-9042 Personal Application Verification line with live rep
Twitter: @ChaseSupport
Note: In the past, automated telephone status reports stating that Chase would notify you in 2 weeks often resulted in an approval, whereas the "7-10 days" telephone recording often indicated imminent denial. In 2016, this pattern became increasingly unpredictable, with many applicants receiving approval despite an earlier "7-10 days" automated telephone message. As a result, automated telephone responses should not be regarded as reliable indicators of an application's likely outcome.
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Applying for Chase Credit Cards, 2017-2019

Old Sep 18, 2017, 10:05 am
  #1066  
 
Join Date: Sep 2012
Posts: 4,431
My wife is 4/24 (I previously thought it was 3/24, but I was wrong) and wants to get the SW Companion pass that requires getting 2 of the SW cards. I know the personal and business versions require separate hard pulls, but if she applies for 2 personal cards, 1 right after the other, will that work?
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Old Sep 18, 2017, 10:15 am
  #1067  
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Originally Posted by DaveInLA
My wife is 4/24 (I previously thought it was 3/24, but I was wrong) and wants to get the SW Companion pass that requires getting 2 of the SW cards. I know the personal and business versions require separate hard pulls, but if she applies for 2 personal cards, 1 right after the other, will that work?
Do you mean 2 SW personal cards for the same individual? That won't work. Chase won't let you have 2 of the same personal cards.

It is still possible for separate businesses under the same individual's SS number, to receive more than one business card, such as multiple INK cards. Since 5/24, the data points on that have dwindled, but seems to still be possible.

Last edited by StartinSanDiego; Sep 18, 2017 at 10:26 am Reason: clarification
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Old Sep 18, 2017, 10:45 am
  #1068  
 
Join Date: Apr 2008
Posts: 615
Originally Posted by StartinSanDiego
Do you mean 2 SW personal cards for the same individual? That won't work. Chase won't let you have 2 of the same personal cards.

It is still possible for separate businesses under the same individual's SS number, to receive more than one business card, such as multiple INK cards. Since 5/24, the data points on that have dwindled, but seems to still be possible.
I think he means applying for the plus and premier SW cards (both personal). And to answer his question, yes, do a double app - should result in a single pull. But my advice would be to apply and secure the first before going for the second.
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Old Sep 18, 2017, 10:46 am
  #1069  
 
Join Date: Sep 2012
Posts: 4,431
Originally Posted by StartinSanDiego
Do you mean 2 SW personal cards for the same individual? That won't work. Chase won't let you have 2 of the same personal cards.

It is still possible for separate businesses under the same individual's SS number, to receive more than one business card, such as multiple INK cards. Since 5/24, the data points on that have dwindled, but seems to still be possible.
Sorry I wasn't clear.
I was asking about 1 Southwest Plus card, 1 SW Premier card. I'm pretty sure that can be done, but I'm asking if she can squeeze both of those in if she's currently at 4/24.

That said, would she be able to get 2 SW Business cards (different businesses) if she's at 4/24?
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Old Sep 18, 2017, 4:07 pm
  #1070  
 
Join Date: Sep 2017
Posts: 2
Originally Posted by prech
The sign up bonus terms call for 24 months since last bonus, so by virtue of not having received the bonus, you're good to go

Many Chase cards will automatically reject you and not even incur a hard pull, if you're within 24 months and ineligible. Several DPs of IHG and Marriott doing this, for example
Cool, thanks! I just didn't want to take the pull on my credit for nothing.
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Old Sep 18, 2017, 7:36 pm
  #1071  
 
Join Date: Sep 2012
Posts: 4,431
Originally Posted by gumercindo
I think he means applying for the plus and premier SW cards (both personal). And to answer his question, yes, do a double app - should result in a single pull. But my advice would be to apply and secure the first before going for the second.
Thanks, that's good to know.

Now does a single pull for both cards also mean that the 1st card approval won't count against the 2nd with regard to 5/24? My wife is 4/24, if she gets approved for the first, will Chase automatically reject her for the 2nd card because she'll be at 5/24, even if both cards use the same hard pull? If she's unlikely to get approved, she would rather apply for a Chase card other than SW.
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Old Sep 19, 2017, 12:00 pm
  #1072  
 
Join Date: Jun 2013
Posts: 630
Guys, trying again as I didn't get an answer the first time.
Is there a 'cool off' period after canceling a card before applying for the same card again? or if 24 months passed since the bonus, I can cancel the card today and apply for the same one tomorrow (assuming under 5/24).
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Old Sep 19, 2017, 1:01 pm
  #1073  
 
Join Date: Feb 2009
Posts: 6,574
My wife will be 0/24 in November, we have CP for 2018 but want to renew so we would get 2 personal SW cards first ( plus and premier) then would like to try her for her first ever business card(s).

Assuming she is approved for the business card(s) am I correct in that even a Chase business card app won't count towards 5/24 after it's approved ?

An example would be SW plus , SW Premier, Ink and she would still be 2/24 ? Thanks
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Old Sep 19, 2017, 1:27 pm
  #1074  
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Originally Posted by DaveInLA
Now does a single pull for both cards also mean that the 1st card approval won't count against the 2nd with regard to 5/24? My wife is 4/24, if she gets approved for the first, will Chase automatically reject her for the 2nd card because she'll be at 5/24, even if both cards use the same hard pull? If she's unlikely to get approved, she would rather apply for a Chase card other than SW.
It doesn't matter whether it's a single pull or not. She'd get the same result, because new cards take weeks to start reporting to credit bureaus, so a pull. a day or two or three after the first approval would get the same results as a pull before the first approval.

The question would be whether Chase would ever look at its own records in addition to the credit report they pull. We know that in the case of Chase business cards, they don't always do that (whether they sometimes do it, we don't have enough data; we do have data on at least 2 cases where they didn't count Chase business cards from the past 24 months). But AFAIK no one's ever done a [valid] "test" to see if they look at very recent Chase applications.

And here's why a test is very difficult to do. While 4/24 means you don't get denied for 5/24 reasons, and 6/24 means certain denial (for any card subject to 5/24), at exactly 5/24 it's eeny meeny miny moe, the roll of the dice, YMMV, whatever you want to call it, some people get denied at exactly 5/24 and other people get approved at exactly 5/24.

And that's why all experiments to determine whether Chase is looking at its own records in addition to the pulled credit report require that that make a difference between 4/24 and 6/24 (ie, 2 Chase business cards opened in the past 24 months if trying to determine if Chase counts its own business cards toward 5/24, and 2 Chase business cards opened in the past week or two to determine whether Chase count its own cards that were opened recently).

But unless Chase allows you to apply for 3 cards in 2 weeks (which IIRC it doesn't), that experiment would be impossible to do! So we might never really know!

Ie, your wife might get approved because she would get approved at 5/24, or she might get approved because they don't look at the card she got approved for minutes or days before, or she might get denied because would get denied at 5/24 and they do look at the card she got approved for minutes or days before.

We cannot possibly know which of those three things will happen, because we cannot know whether Chase would approve your wife this month at exactly 5/24 or not. (What Chase did for a given person the last time they were at exactly 5/24 is not necessarily what they'll do next they're at exactly 5/24. Chase's treatment of someone who's exactly at 5/24 may vary not just by individual but also over time.)

Last edited by sdsearch; Sep 19, 2017 at 1:32 pm
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Old Sep 19, 2017, 4:12 pm
  #1075  
 
Join Date: Sep 2012
Posts: 4,431
Thanks. If the new account won't show up when the 2nd application is submitted, then it might even advantageous to apply for a personal and a business card rather than 2 personal cards. I've never applied for 2 personal Chase cards back to back, but I have for AMEX and they are able to see the 2 applications. I wonder if Chase is the same.

Edit-- will 1 personal and 1 business trigger 2 HP?

Originally Posted by sdsearch
It doesn't matter whether it's a single pull or not. She'd get the same result, because new cards take weeks to start reporting to credit bureaus, so a pull. a day or two or three after the first approval would get the same results as a pull before the first approval.

The question would be whether Chase would ever look at its own records in addition to the credit report they pull. We know that in the case of Chase business cards, they don't always do that (whether they sometimes do it, we don't have enough data; we do have data on at least 2 cases where they didn't count Chase business cards from the past 24 months). But AFAIK no one's ever done a [valid] "test" to see if they look at very recent Chase applications.

And here's why a test is very difficult to do. While 4/24 means you don't get denied for 5/24 reasons, and 6/24 means certain denial (for any card subject to 5/24), at exactly 5/24 it's eeny meeny miny moe, the roll of the dice, YMMV, whatever you want to call it, some people get denied at exactly 5/24 and other people get approved at exactly 5/24.

And that's why all experiments to determine whether Chase is looking at its own records in addition to the pulled credit report require that that make a difference between 4/24 and 6/24 (ie, 2 Chase business cards opened in the past 24 months if trying to determine if Chase counts its own business cards toward 5/24, and 2 Chase business cards opened in the past week or two to determine whether Chase count its own cards that were opened recently).

But unless Chase allows you to apply for 3 cards in 2 weeks (which IIRC it doesn't), that experiment would be impossible to do! So we might never really know!

Ie, your wife might get approved because she would get approved at 5/24, or she might get approved because they don't look at the card she got approved for minutes or days before, or she might get denied because would get denied at 5/24 and they do look at the card she got approved for minutes or days before.

We cannot possibly know which of those three things will happen, because we cannot know whether Chase would approve your wife this month at exactly 5/24 or not. (What Chase did for a given person the last time they were at exactly 5/24 is not necessarily what they'll do next they're at exactly 5/24. Chase's treatment of someone who's exactly at 5/24 may vary not just by individual but also over time.)

Last edited by DaveInLA; Sep 19, 2017 at 4:17 pm
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Old Sep 19, 2017, 9:09 pm
  #1076  
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Originally Posted by justsawaufo
Guys, trying again as I didn't get an answer the first time.
Is there a 'cool off' period after canceling a card before applying for the same card again? or if 24 months passed since the bonus, I can cancel the card today and apply for the same one tomorrow (assuming under 5/24).
Well, I can't really speak to this anymore, as the last time I canceled and immediately reapplied for a similar one was several years ago. Needless to say, much has changed since then. I would wait at least until the close of one business day, just in case the closure needs that time to record. Personally, I think it would be prudent to wait a few days or a week, if all the other factors signal go.

I think many of these data points have become less relevant to many of our forum members simply because:

1) They want to keep the cards they have due to 5/24. A bird in the hand...
2) They can't reapply for duplicate cards due to 5/24 or the 24 month bonus clause or the Sapphire "family" rule. So, if the card is worth keeping, they keep it. Or go the downgrade/product change route, so they keep some type of valuable, and likely irreplaceable, Chase card in their wallet (or sock drawer).
3) They can't apply for most Chase cards, once again, due to 5/24

In short, you might have to use your best judgement about a waiting period and then give it a whirl. What card is it?
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Old Sep 20, 2017, 1:16 am
  #1077  
 
Join Date: Aug 2010
Posts: 124
Originally Posted by justsawaufo
Guys, trying again as I didn't get an answer the first time.
Is there a 'cool off' period after canceling a card before applying for the same card again? or if 24 months passed since the bonus, I can cancel the card today and apply for the same one tomorrow (assuming under 5/24).
Have read a few DPs from r/churning recommending waiting at least a week after cancellation to re-apply.

Recommend being certain of the exact 24 month for the last bonus. I'd rather be a month late than waste a HP and denial
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Old Sep 20, 2017, 1:19 am
  #1078  
 
Join Date: Aug 2010
Posts: 124
Originally Posted by DaveInLA
Thanks. If the new account won't show up when the 2nd application is submitted, then it might even advantageous to apply for a personal and a business card rather than 2 personal cards. I've never applied for 2 personal Chase cards back to back, but I have for AMEX and they are able to see the 2 applications. I wonder if Chase is the same.

Edit-- will 1 personal and 1 business trigger 2 HP?
Yes, business and personal HPs do not combine. Lots and lots of DPs from r/churning confirming this. Although it's the credit bureau combining things, for some reason, they do not appear to be doing this for biz/personal apps.

Also, Chase business cards are almost all 1/30, meaning a limit of 1 application per 30 days. Thus, the personal app should come after the biz app is approved, as most personal apps are 2/30. Google the 2/30 or 1/30 rule to learn more
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Old Sep 20, 2017, 2:10 am
  #1079  
 
Join Date: Sep 2012
Posts: 4,431
Originally Posted by prech
Yes, business and personal HPs do not combine. Lots and lots of DPs from r/churning confirming this. Although it's the credit bureau combining things, for some reason, they do not appear to be doing this for biz/personal apps.

Also, Chase business cards are almost all 1/30, meaning a limit of 1 application per 30 days. Thus, the personal app should come after the biz app is approved, as most personal apps are 2/30. Google the 2/30 or 1/30 rule to learn more
Hmm, maybe the 1/30 is to parent applying for another business card right away. In the past I have applied for and was approved for 1 personal and then immediately 1 business Chase card.
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Old Sep 20, 2017, 1:59 pm
  #1080  
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Originally Posted by prech
Yes, business and personal HPs do not combine. Lots and lots of DPs from r/churning confirming this. Although it's the credit bureau combining things, for some reason, they do not appear to be doing this for biz/personal apps.
At some banks, personal pulls and business pulls come from different enough "divisions" (I don't know if that's the correct word) that they look "different enough" to the credit bureau that they can tell they couldn't possibly be duplicates.

The only reason that credit bureaus combine pulls is if they can't be sure if two pulls that came from the exact same place on the exact same day aren't duplicates.

But at several banks (apparently including Chase, based on what you wrote), business pulls come to credit bureaus sufficiently labeled as "from a different place" than personal pulls to never be considered possible duplicates and thus never to be combined. While at some other banks, the way the bureaus see personal and business pulls as identical, and in those cases, personal and business pulls on the same day might be combined by the bureau.

Ie, it's not that the bank labels the pull as personal or business per se. It's just that the bureau sees a personal pull as coming from "LastBank Credit Services" or whatever and sees a business pull as coming from "LastBank Small Business Services" or whatever. So it depends on how the bank is structured.
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Last edited by sdsearch; Sep 20, 2017 at 2:04 pm
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