Applied for Chase United Explorer Biz card last Thursday 3/14 (2+ months since last Chase app on 1/10/19), not automatically approved as expected, received letter in the mail yesterday 3/20 saying "too many credit cards opened in the last two years associated with you" so here I am scratching my head.
I thought I've kept pretty good track of all my cards since starting churning and should still be at 4/24:
CSP (10/2017),
Chase United MPE (7/9/18), CIP SSN (9/13/18), Barclays Aviator Biz (10/4/18), Citi AA Biz (10/4/18), AmEx SPG Biz (10/16/18), AmEx BGR (11/7/18),
Chase SW RR Personal (11/15/18), AmEx Biz Plat (12/13/18), AmEx HH Biz (12/14/18),
Chase Hyatt (1/10/19). By my count and understanding since business cards don't count towards 5/24, that should be 4, right?
On my creditkarma report (if accurate/reliable for this case), it lists [five](
https://imgur.com/7Vse9cU) Chase cards in the past two years including the CIP business one 6 months ago. Is that possibly what Chase sees or it's just automatically loaded for CK? Fwiw, none of the AmEx or Citi business cards show up.
Given this information, how should I approach the recon call? Is it even a 5/24 concern and I should try calling to clarify, is it too many cards applied for and opened in general in a tight span of time? Any help and insight is greatly appreciated.