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
Oct 20, 2016, 12:19 pm
#4996
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
But there's only a small number of cards (mostly hotel cards) that are exempt from 5/24.
Oct 20, 2016, 9:36 pm
#4997
Join Date: Aug 2014
Posts: 736
2 week automated message on the Marriott biz - basically gave up on getting CSR pre-approval because I have too many Chase cards I'm currently keeping. I will report back once I hear but expecting good things. This would be 44/24.
Oct 21, 2016, 4:11 pm
#4998
Join Date: Dec 2006
Posts: 242
So Marriott Business is not under the rule.
What About Marriott Premier Visa (Personal)?
(I checked this Wiki, the Marriott Wiki, and the last 10 pages of this thread!)
What About Marriott Premier Visa (Personal)?
(I checked this Wiki, the Marriott Wiki, and the last 10 pages of this thread!)
Oct 21, 2016, 5:17 pm
#5000
Join Date: Dec 2006
Posts: 242
There is no list of cards under the 5/24 rule. Here is what is in the Wiki regarding the 5/24 rule:
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Does the 5/24 rule apply to applications for all Chase cards?
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Does the 5/24 rule apply to applications for all Chase cards?
Previously the rule did not apply to applications for the Ink Plus business card or to co-branded cards such as United, Hyatt, IHG, etc. However, on May 22, 2016 Chase extended its 5/24 rule to cover Ink business cards and some co-branded cards. (Note that there were premature reports that Chase Ink Plus would be made subject to the rule in March 2016 (which did not happen), and that all co-branded cards would follow in April 2016 (also did not happen).)
Although we had numerous reports of applications prior to May 22 being denied for a United/Hyatt/IHG/WN card by a CSR citing the 5/24 rule, the available evidence strongly suggested that those applicants had other serious issues--multiple Chase applications in a short period; large existing Chase credit line--and that overzealous CSRs gratuitously (and erroneously) invoked the 5/24 rule in the past as an additional supposed justification for the denial. Thus, it is difficult to separate such false positives from any change in Chase policy.
Instead, the most useful data points are those where an applicant is approved for a Chase card despite being over 5/24. Since May 22, we have such reports for these co-branded cards:
Please follow discussion in the thread for current updates.
Although we had numerous reports of applications prior to May 22 being denied for a United/Hyatt/IHG/WN card by a CSR citing the 5/24 rule, the available evidence strongly suggested that those applicants had other serious issues--multiple Chase applications in a short period; large existing Chase credit line--and that overzealous CSRs gratuitously (and erroneously) invoked the 5/24 rule in the past as an additional supposed justification for the denial. Thus, it is difficult to separate such false positives from any change in Chase policy.
Instead, the most useful data points are those where an applicant is approved for a Chase card despite being over 5/24. Since May 22, we have such reports for these co-branded cards:
- Hyatt (link; link; link; link; link; link; link; link)
- Marriott business card (link; link; link; link; link; link)
- IHG (link; link; link; link; link)
- BA (link; link)
- Fairmont (link; link)
Please follow discussion in the thread for current updates.
Oct 21, 2016, 6:52 pm
#5002
Join Date: Dec 2006
Posts: 242
I can see the link to the Marriott Premiere Visa thread.
I can click the link to the Marriott Premiere Visa thread.
The Marriott Premiere Visa thread says in its Wiki:
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The 5/24 rule for Chase, where 5 or more new accounts in 24 months can result in an application denial, may apply to Marriott cards. Consult the wiki in this thread at Applying for Chase Credit Cards for more information.
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And like I said, I read both Wikis and the last 10 pages of this 334 page thread before posting and asking!
I can click the link to the Marriott Premiere Visa thread.
The Marriott Premiere Visa thread says in its Wiki:
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The 5/24 rule for Chase, where 5 or more new accounts in 24 months can result in an application denial, may apply to Marriott cards. Consult the wiki in this thread at Applying for Chase Credit Cards for more information.
--
And like I said, I read both Wikis and the last 10 pages of this 334 page thread before posting and asking!
Oct 21, 2016, 11:32 pm
#5003
Join Date: Sep 2015
Location: SFO
Posts: 3,881
5/24 applies to the card listed at the top of the wiki.
Oct 22, 2016, 9:58 am
#5004
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
The only non-simple thing is that that list in the middle of the wiki, so if you don't read the wiki carefully you might miss it. But it's there in post 5001 for you to find more easily right now.
Oct 22, 2016, 12:24 pm
#5005
Join Date: Apr 2012
Posts: 38
Ritz card
What about the ritz Carlton card?
Oct 22, 2016, 4:05 pm
#5006
Join Date: Dec 2006
Posts: 242
Very kindly, the link at the top of the Wiki also contains:
Which are well known for NOT being under 5/24.
Thank you kindly for trying to help.
- IHG Rewards Visa/MC
- Hyatt Rewards Card from Chase
- Chase BA Visa
- Chase Amazon Visa
- Fairmont Signature Visa
Thank you kindly for trying to help.
Oct 22, 2016, 4:11 pm
#5007
Join Date: Dec 2006
Posts: 242
Look at post 5001 (4 posts above this). It copied from the wiki the relevant part, which lists the very few cards that are exempt for 5/24. All Chase cards not listed on that short list are subject to 5/24. It's that simple.
The only non-simple thing is that that list in the middle of the wiki, so if you don't read the wiki carefully you might miss it. But it's there in post 5001 for you to find more easily right now.
The only non-simple thing is that that list in the middle of the wiki, so if you don't read the wiki carefully you might miss it. But it's there in post 5001 for you to find more easily right now.
- Chase Disney
- Chase Ritz-Carlton
Thank you kindly for trying to help.
And I have the information I need now.
Oct 22, 2016, 5:39 pm
#5008
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
Oct 23, 2016, 8:37 pm
#5009
Join Date: Feb 2007
Posts: 647
Wife is authorized user - can she apply for same card?
can she apply for a card that she is a authorized user for or should i remove her first?
Oct 23, 2016, 9:43 pm
#5010
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954