Sep 4, 2015, 8:47 am
Last edit by: beltway
This thread is now archived. For ongoing discussion and the current/updated wiki, see Applying for Chase Credit Cards, 2017 onward. For the archived predecessor thread, see Applying for Chase Credit Cards- Archived 2008-5/2015
Archived: Applying for Chase Credit Cards- May 2015- Jan 2017
Jul 13, 2016, 8:44 am
#4382
Join Date: Jan 2014
Posts: 22
Just adding another datapoint for Southwest checking for 5/24. My wife is at >5/24 with a credit score of about 750. A couple weeks back, she got approved for the IGH with a 22k CL, but then was denied for Southwest Plus for "Too many accounts opened in the last 2 years"
Jul 13, 2016, 10:17 am
#4383
Join Date: Jul 2013
Posts: 1,784
Just adding another datapoint for Southwest checking for 5/24. My wife is at >5/24 with a credit score of about 750. A couple weeks back, she got approved for the IGH with a 22k CL, but then was denied for Southwest Plus for "Too many accounts opened in the last 2 years"
at 5/24, or over 5/24 ?
Jul 13, 2016, 4:04 pm
#4385
Join Date: Jul 2013
Posts: 1,784
Basically then you are confirming that the last 25 people who posted being denied a SW card for more than 5 new accounts in the last 24 months were correct? Good to know... 
So as long as we are on that topic, I too was recently denied for a SW card for "at (greater than) 5 cards in 24 months".
So as long as we are on that topic, I too was recently denied for a SW card for "at (greater than) 5 cards in 24 months".
Jul 13, 2016, 7:41 pm
#4387
Join Date: Sep 2006
Location: xLAS
Posts: 1,362
applied Chase Hyatt Visa, 7/13.
instant approval.
I'm at ~30 cards over last 24 months (that includes ~5 as an AU on wife's accounts), but it was only my 3rd card this calendar year.
Have Chase checking & savings.
Have 6 other Chase personal cards (Amazon, UA Exp, Marriott, IHG, SW RR Premium, SW RR Plus) and 1 other Chase biz card (Ink+).
instant approval.
I'm at ~30 cards over last 24 months (that includes ~5 as an AU on wife's accounts), but it was only my 3rd card this calendar year.
Have Chase checking & savings.
Have 6 other Chase personal cards (Amazon, UA Exp, Marriott, IHG, SW RR Premium, SW RR Plus) and 1 other Chase biz card (Ink+).
Jul 14, 2016, 7:52 am
#4388
Join Date: Jul 2013
Posts: 1,784
My comment was about 7-10, not about 5/6/24. I have zero data points about 5/6/24 with in branch apps.
Jul 14, 2016, 3:44 pm
#4389
Join Date: Dec 2015
Posts: 623
Denied for the Ink Plus on 3/30 for too many apps in a short period of time. 3 apps in two weeks.
Any data points on reapplying for a card that you were denied for in the last 6 months where the reason for denial is no longer applicable? Would like to snag the Chase Ink Plus In-Branch offer. Read the wiki and quite a few posts but can't find anything.
Any data points on reapplying for a card that you were denied for in the last 6 months where the reason for denial is no longer applicable? Would like to snag the Chase Ink Plus In-Branch offer. Read the wiki and quite a few posts but can't find anything.
Jul 14, 2016, 7:58 pm
#4390
Join Date: Mar 2015
Programs: AA Gold, Hilton Diamond, Hyatt Explorist, Marriott Gold
Posts: 161
I applied for the UMP Explorer 70K in late June. I was right at 5/24 so decided to give it a try, since I figured I would have a good profile (830 FICO, 15 yr excellent history with Chase where I keep cards) for a borderline case. Nope - denied. Spoke with 4 different reps/supervisors. The last of these was a higher level supervisor from Arizona who they had call me after I asked to escalate with the first supervisor I spoke with.
One thing I learned (maybe others already know) is that in practice they are doing a 5/25 rule. This application was in late June 2016, but in their initial review they were still counting an app from early June 2014 against me. I had figured it would be excluded, but they said they couldn't see the day of the month for the application, so they had to include it. This was my 6th, and the initial CSR seemed to think I could be reconsidered if it was taken off. Eventually the higher level people agreed to exclude it but still said 5 was too many.
The higher level supervisor chatted with me a bit about the rule. He said they were aware that it could alienate longtime customers, but that after the trial run with the core non-cobrand cards they found it effective (for the bottom line I guess) so decided to expand it. He claimed that it wasn't aimed specifically at people who close cards shortly after opening them, but that many apps in a short time indicated "risky behavior." He said it wouldn't matter if someone had a 40 year excellent history with Chase.
One thing I learned (maybe others already know) is that in practice they are doing a 5/25 rule. This application was in late June 2016, but in their initial review they were still counting an app from early June 2014 against me. I had figured it would be excluded, but they said they couldn't see the day of the month for the application, so they had to include it. This was my 6th, and the initial CSR seemed to think I could be reconsidered if it was taken off. Eventually the higher level people agreed to exclude it but still said 5 was too many.
The higher level supervisor chatted with me a bit about the rule. He said they were aware that it could alienate longtime customers, but that after the trial run with the core non-cobrand cards they found it effective (for the bottom line I guess) so decided to expand it. He claimed that it wasn't aimed specifically at people who close cards shortly after opening them, but that many apps in a short time indicated "risky behavior." He said it wouldn't matter if someone had a 40 year excellent history with Chase.
Jul 14, 2016, 8:53 pm
#4391
Join Date: Feb 2003
Location: On strike
Posts: 8,135
Applied for IHG card ....After nary a peep got a call from Chase today (Day #18) to ask me a few questions. After "talking to her boss" I was approved and can see the card when I log on to Chase.com.
Prior to this card I had 7 new approvals (plus one new authorized user card) in the past 24 months. I was tempted to call but didn't; I think that was the right choice.
Prior to this card I had 7 new approvals (plus one new authorized user card) in the past 24 months. I was tempted to call but didn't; I think that was the right choice.
It's also discussed at the very end of the wiki.
Jul 15, 2016, 11:19 am
#4392
Join Date: Jan 2015
Posts: 74
It will be 2 years in September when I applied for the southwest premier CC through chase. I called Chase card services today to see if they could tell me when I would be able to apply and be approved for the card/50k bonus miles again. They had no record of me previously holding the SW Premier CC. He said I should be fine to apply and get the bonus again. Has anyone heard of or had this experience with CSP?
Also I have had 5 CC's opened since sept 2014 so I will probably wait until sept this year to apply..or should I go ahead and apply now to see what happens? If I get denied due to >5/24 would it be ok to apply again in September? Thanks for the help.
Also I have had 5 CC's opened since sept 2014 so I will probably wait until sept this year to apply..or should I go ahead and apply now to see what happens? If I get denied due to >5/24 would it be ok to apply again in September? Thanks for the help.
Jul 15, 2016, 11:24 am
#4393
Join Date: Oct 2015
Posts: 65
I applied for the UMP Explorer 70K in late June. I was right at 5/24 so decided to give it a try, since I figured I would have a good profile (830 FICO, 15 yr excellent history with Chase where I keep cards) for a borderline case. Nope - denied. Spoke with 4 different reps/supervisors. The last of these was a higher level supervisor from Arizona who they had call me after I asked to escalate with the first supervisor I spoke with.
One thing I learned (maybe others already know) is that in practice they are doing a 5/25 rule. This application was in late June 2016, but in their initial review they were still counting an app from early June 2014 against me. I had figured it would be excluded, but they said they couldn't see the day of the month for the application, so they had to include it. This was my 6th, and the initial CSR seemed to think I could be reconsidered if it was taken off. Eventually the higher level people agreed to exclude it but still said 5 was too many.
The higher level supervisor chatted with me a bit about the rule. He said they were aware that it could alienate longtime customers, but that after the trial run with the core non-cobrand cards they found it effective (for the bottom line I guess) so decided to expand it. He claimed that it wasn't aimed specifically at people who close cards shortly after opening them, but that many apps in a short time indicated "risky behavior." He said it wouldn't matter if someone had a 40 year excellent history with Chase.
One thing I learned (maybe others already know) is that in practice they are doing a 5/25 rule. This application was in late June 2016, but in their initial review they were still counting an app from early June 2014 against me. I had figured it would be excluded, but they said they couldn't see the day of the month for the application, so they had to include it. This was my 6th, and the initial CSR seemed to think I could be reconsidered if it was taken off. Eventually the higher level people agreed to exclude it but still said 5 was too many.
The higher level supervisor chatted with me a bit about the rule. He said they were aware that it could alienate longtime customers, but that after the trial run with the core non-cobrand cards they found it effective (for the bottom line I guess) so decided to expand it. He claimed that it wasn't aimed specifically at people who close cards shortly after opening them, but that many apps in a short time indicated "risky behavior." He said it wouldn't matter if someone had a 40 year excellent history with Chase.
Was really hoping to have this approved this time so I could go back to opening a new Alaska Visa immediately after approval, but I guess that will have to wait as it would keep me at > 5/24.
I only looked back the last ten pages or so here, what's the timeframe for re-applying? If I wait say a month, would I have a shot?
Jul 15, 2016, 11:33 am
#4394
Join Date: Jul 2013
Posts: 1,784
What....? It's long been known that Citi was challenged at math, but even they aren't that bad. Of course those cards were still on your credit report. They don't drop off until 10 years after being applied for. But what does that have to do with cards opened in the last 24 months?
Jul 15, 2016, 11:59 am
#4395
Join Date: Oct 2015
Posts: 65
What....? It's long been known that Citi was challenged at math, but even they aren't that bad. Of course those cards were still on your credit report. They don't drop off until 10 years after being applied for. But what does that have to do with cards opened in the last 24 months?
Application date was 7/1, got the 7-10 day pending, and then notified Monday in the mail about the decline. Called Wednesday afternoon.