Originally Posted by Dr Jabadski

I’ll add just a little bit to the wise counsel of our esteemed members above (mia, beltway, RNE).

- For high “velocity” (approaching churning) applications think very carefully about getting to 5/24. Once at 5/24 Chase will not approve ANY other cards, biz or personal, so if a once in a lifetime offer comes along you would not be able to jump on it. You obviously understand the concept. FWIW, I’ve was at LOL/24 for many years, (intentionally) got down to 1/24 a couple of years ago (sorry to write that COVID actually helped in that regard), approved for 10 Chase cards in the past 20 months only 3 of which are personal and I plan to stay at or below 4/24 until Chase changes the policy or an incredible unbelievable amazing once in a lifetime offer comes along.

- I’ve also thought about the (new) IHG biz and Hyatt biz cards as they do not add to 5/24, pulled the trigger on both when they were relatively new products. There are anecdotal reports that for a brand new credit card product Chase, notwithstanding anything written above by myself and others, is more liberal with approvals perhaps even including “waiving” 5/24. I certainly wouldn’t hang my hat on that but it’s something a high velocity potential applicant should be aware of.

- My theory (HT Anne Elk) is that with (relatively) new Chase Hyatt and IHG BIZ cards, it’s possible (if below 5/24) to “churn” a SUB once every 12 months with applications for the “same” card being once every 24.5 months, (hopefully for all of us) it’s a marathon, not a sprint .

- If you want to remain in Chase's good graces, no (zero, nada, zilch) MS (which is sometimes tempting to meet minimum spends). FWIW, I suck it up and pay the Fing 1.96% (federal), 2.25% (state) or 2.35% (local) juice* on estimated tax or tax due payments to help meet minimum spends.

Good luck .

(* “juice” in the fee/gambling vigorish connotation. 4% to 7.9% to “buy” the 4 or the 10 at craps table is usury .)