Originally Posted by
sdsearch
Wrong! Some people get denied at exactly 5/24, and some don't. Exactly 5/24 is YMMV. But if you don't want to risk denial (for 5/24 reasons), you have to get to 4/24.
But 5/24 only counts opened cards, not the card you're applying for. So if the OP wanted 3 personal cards and is at 2/24, they'd not get to 5/24 until after they got all 3 cards.
But one of the cards the OP wants is a business card, so with 2 personal cards and 1 business card they'll only from 2/24 to 4/24.
I apoologize if I was unclear. I didn't realize I could be misunderstood, so thanks for clarifying that further. I was actually under the impression that almost everyone got denied once they were at 5/24 opened cards except for people with Private Banking. I was trying to basically indicate what you clarified. The OP clearly thought that he could not apply for 3 cards despite being at only 2/24.
And I've read that the Business cards are also YMMV. I seem to remember some people indicating that the Ink line falls under 5/24 as well, although that isn't one of the cards on his wishlist.