Originally Posted by
Cliff358
DP:
I am currently at 4/24 according to Travelfreely.net. I was just approved for the CSR in December and the Ink Cash this month.
In 2021 I was approved for 2 business and 1 personal and in 2022 I was approved for 3 business and 2 personal. Those are just for Chase cards. In addition I was approved for 4 other non-Chase cards. Just counting the Chase cards I would be at 8/24 if they were counting business and personal. There must be something else going on for these people who are being denied.
If I had to guess, the rep can decide they think the person is gaming SUBs and decline due to too many cards, even without being at 5/24. Even under 5/24 if the rep sees a ton of new cards and nothing charged to them, they could say you opened too many accounts and reject it. To me thats the most logical explanation of what is happening.