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Archived: Applying for Chase Credit Cards- May 2015- Jan 2017

Archived: Applying for Chase Credit Cards- May 2015- Jan 2017

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Old Jan 22, 17, 10:20 am   -   Wikipost
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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
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Old Jul 19, 16, 10:53 am
  #4411  
 
Join Date: Feb 2013
Programs: Hyatt Explorist, MLife Gold, Marriott Gold, HHonors Gold, SPG Gold, Amex Plat
Posts: 3,640
Originally Posted by Tylt33 View Post
My wife just got denied due to too many credit cards opened... She hasn't opened any in the last ten years, they must also be considering cards that people are AU on or something?
That's been the case for over a year (see wiki). AUs count against 5/24. You can call recon and ask them to not count AUs. Some have luck with that.
Stgermainparis is offline  
Old Jul 19, 16, 11:02 am
  #4412  
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Join Date: Jan 2015
Posts: 74
I'm at 5 CC since 9/1/14. 3 were from Chase in this order SW Premier 9/1/14, Disney 11/1/14, and CSP (CSP not until October 2015). I applied/received Arrival + and AMEX SPG on 9/1/14. So 3 cards on 9/1/14. I did the same for my wife and we were AU's on each other's accts. Needed reconciliation to obtain CSP last year due to the AU's. I need the Chase Hyatt and SW premier again to make a trip to Hyatt Ziva Los Cabos next July. I'm thinking I will wait until after September 1st when I will only officially be 5/24 (Disney 11/14, CSP 10/15, Ford service CC 5/16) but also AU's on wife's CSP and Disney). So after 9/1 I will reapply for the SW Premier first. SW card first due to the AU's on my wife's accts which will probably put me at 5/24....thinking if not auto approved I will call recon to be approved. I want to be approved for the SW first due to it being subject to 5/24. Then apply for the Hyatt since it's not subject to 5/24. As for my wife...she will only be 4/24 after 9/1 including 2 AU's on my accts. So I will apply her for the SW premier then the hyatt. Does anyone have any input or suggestions? Thanks in advance.

Last edited by benosufan; Jul 19, 16 at 11:23 am
benosufan is offline  
Old Jul 19, 16, 11:08 am
  #4413  
 
Join Date: Apr 2016
Posts: 37
Originally Posted by mia View Post
If you apply for a business card and supply an EIN you will -also- provide your SSN. It's not one versus the other, it's one or both.

Thank you!
Mace03 is offline  
Old Jul 19, 16, 11:17 am
  #4414  
Hyatt Contributor Badge
 
Join Date: Jan 2015
Posts: 74
AUs do count towards 5/24

Originally Posted by Tylt33 View Post
My wife just got denied due to too many credit cards opened... She hasn't opened any in the last ten years, they must also be considering cards that people are AU on or something?
I can confirm they do count the AU's....I had to call recon last October when I applied for the CSP. I was only 4/24 at that time but with AU's from wife's accounts I was over the limit. Took about 10 minutes on the phone and they approved the application. Granted this was last October but from what I've read on FT many people had success with recon when the AU's put them over 5/24.
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Old Jul 19, 16, 8:44 pm
  #4415  
 
Join Date: Oct 2010
Posts: 98
Originally Posted by RobertHanson View Post
One of the travel blogs reported yesterday multiple data points from readers that Banker "special consideration" form does not help with 5/24.

If you are clearly over 5/24 calling Recon is a waste of time.
Can confirm the recon was futile. FWIW, the recon lady was atypically friendly and basically confirmed the 5/24 "rule" that we all pretty much know. Couple of things stand out:

5/24 Rule:
- Any credit card account opened (even if it is subsequently closed) that shows up on the credit report that they pull counts for 5/24. They have some leeway in a/c's on which you are AU. I had 17 new opened a/c's. This # matches what credit karma shows.

- Pre-approved offer & private client, offer *may* be a way around it. I was surprised she actually offered this info.

- The # 5 isn't hard and fast. Even if the system automatically denies you, if you're right at the cutoff or nearby there may be chance. I was at 17 - no chance for me.

Gotta say, I was pleasantly surprised at the helpfulness of this recon lady, in stark contrast to the chase business credit card lady who was down right rude and the experience as painful as a cavity search.
ymarker is offline  
Old Jul 19, 16, 10:58 pm
  #4416  
 
Join Date: May 2016
Location: Bellingham, Wa
Programs: AA, Alaska, Hilton, Marriott
Posts: 73
Originally Posted by giesen5 View Post
Wife applied for British Airlines card. Got the 7-10 day message. 4 days later was approved, did not call.

She had opened 4 Chase cards (United, CSP, Freedom Unlimited, IHG) and Barclay Arrival + in the past 4.5 months.

Just wanted to throw it out there for the data collectors.
Seeing AU conversation. She is AU on three of my Chase cards, too. So that seems to put her over the 5/24.
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Old Jul 19, 16, 11:25 pm
  #4417  
 
Join Date: Jul 2016
Posts: 33
This 5/24 rule is devastating. The CC companies definitely found our Achilles. I JUST started churning last month where I opened 4 cards and just 1 was a Chase. I'm worried because I did open 1 in Feb (barclays arrival) before I started churning, so I'm pretty much locked out of Chase until 2018. This is terrible. The only way I can think to get around is to spread out the churns with the wife, but still 5/24 is terrible. 10/24 would be more reasonable, but then again, I can't blame them, they came down hard and fast.
ChurningMan is offline  
Old Jul 20, 16, 6:19 am
  #4418  
 
Join Date: Feb 2001
Location: Ann Arbor, Michigan
Programs: Airline Free Agent, Hilton Diamond, Fairmont Lifetime Platinum
Posts: 2,837
Originally Posted by ChurningMan View Post
This 5/24 rule is devastating.
Sure is. Has totally messed up how we go about this churning thingie...

Hobby can come back only with a steep recession...Of course, I am ONLY saying that in regards to churning...

#roughtimesinchurningland
gpapadop is offline  
Old Jul 20, 16, 8:29 am
  #4419  
 
Join Date: Jan 2007
Location: NYC
Posts: 290
If you're assigned a new card number due to a card being lost/stolen, does that count towards the 5/24 limit?
rmannion is offline  
Old Jul 20, 16, 8:35 am
  #4420  
 
Join Date: Feb 2003
Posts: 6,807
Originally Posted by rmannion View Post
If you're assigned a new card number due to a card being lost/stolen, does that count towards the 5/24 limit?
No.
beltway is offline  
Old Jul 20, 16, 2:03 pm
  #4421  
 
Join Date: Jan 2007
Location: NYC
Posts: 290
Another data point: Applied for a UA Explorer card for the 70k bonus on 2016-06-30. Was not immediately approved. Have existing United Club and Amazon cards and 1 new card issued in the past 2 years. Automated line initially stated "30 days", then "2 weeks", with approval today. Looks like they siphoned off credit from my other Chase cards to create the new card.
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Old Jul 20, 16, 4:02 pm
  #4422  
 
Join Date: Jun 2014
Posts: 38
Data Point:

Just applied for Chase Hyatt for me and my wife. We are both at 20/24 although I have not applied for a Chase card since May 2015 because of 5/24. I had only 2 active cards with Chase (IHG and Freedom) and they were low lines of credit. Both of us were instant approvals with $19,500 and $12,000 credit lines. I was nervous to apply due to 5/24, but it worked out for us. Nice to get a win with Chase!
rundrc is offline  
Old Jul 20, 16, 4:05 pm
  #4423  
 
Join Date: Jul 2013
Posts: 1,784
Originally Posted by rmannion View Post
Another data point: Applied for a UA Explorer card for the 70k bonus on 2016-06-30. Was not immediately approved. Have existing United Club and Amazon cards and 1 new card issued in the past 2 years. Automated line initially stated "30 days", then "2 weeks", with approval today. Looks like they siphoned off credit from my other Chase cards to create the new card.
Sounds like you've got at least one more app to go with Chase, so choose carefully. I'd go for a CSP, but that's just me.

And I'd lower your Chase CLs before you apply again. The fact that they moved credit on their own implies you are at least near, if not at, the max they are willing to give you.
RobertHanson is offline  
Old Jul 20, 16, 5:00 pm
  #4424  
 
Join Date: May 2000
Location: HH Gold, Marriott Plat, PC Plat
Posts: 2,462
Another bad thing about 5/24 is that we used to flip between CSP and Ink cards and only have one active at a time. That was we kept the points active and did not pay an annual fee.

After 5/24, I cannot get CSP again since cancelled right before 5/24 so am paying the annual fee on the Ink card now. Another win for Chase.
mileshound is offline  
Old Jul 20, 16, 7:27 pm
  #4425  
 
Join Date: Jun 2013
Posts: 519
Have we ever collected any data points as to how precisely Chase measures 24 months from getting the bonus? I have my eyes on trying for the Hyatt while I still can, and I received the bonus 2 years + 9 days ago or earlier.* Normally I'd be patient to give it a good buffer but who knows when they'll add this card to 5/24.

What would you do in my situation? Would you go for it now or wait? (if so how long?)

*I don't have direct evidence of when I officially received the bonus, but I did make a Hyatt booking using a cert on that date. So it could be exactly that day or shortly before.
aradisc is offline  

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