Jan 19, 2017, 8:44 pm
Last edit by: StartinSanDiego
Please read this Wiki before posting questions in the thread.
Do not post offers or requests for referral links in this thread! The proper thread for referral offers is here.
All Chase issued cards are here: https://creditcards.chase.com/sitemap
This thread--a continuation of previous discussions through May 2015 and December 2016--focuses on general Chase policies & practices for new applications. For information on specific Chase cards and their bonuses/terms/benefits, see the following threads and their associated wikis: Table of Contents
Does Chase have a limit on the number or frequency of applications like Citi's 8/65 rule?
What's this I hear about Chase denying applications to people who have recently opened a lot of credit cards?
Does the 5/24 rule apply to applications for all Chase cards?
How does Chase calculate the number of an applicant's new cards for purposes of the 5/24 rule?
How does Chase calculate the relevant 24-month period? By calendar months? By exact days?
Can I get around the 5/24 policy by closing cards I've opened in the past 24 months?
Is there any way around the 5/24 policy (targeted mailers, pre-approvals, Chase Private Client status)?
Can I apply for a specific Chase card and earn the bonus again after doing so previously?
I'm an authorized user for a card issued to my spouse/parent. Does that prevent me from signing up for the same card and earning a bonus?
I already have several Chase cards with a substantial aggregate line of credit. Will it improve my odds if I close an existing account (or lower its credit line) before applying for another?
I wasn't auto-approved. Should I call in?
How can I determine the deadline for meeting the spend requirement to earn the signup bonus?
Once I meet the card's spend requirement, how soon will I receive my signup bonus points?
Should I downgrade or cancel my existing cards before applying?
Useful Chase telephone numbers
This thread--a continuation of previous discussions through May 2015 and December 2016--focuses on general Chase policies & practices for new applications. For information on specific Chase cards and their bonuses/terms/benefits, see the following threads and their associated wikis:
- Chase Freedom
- Chase Freedom Unlimited
- Chase Sapphire Preferred
- Chase Sapphire Reserve
- Chase Ink Plus
- Chase Ink Business Preferred
- Marriott Premier Visa
- IHG Rewards Visa/MC
- Hyatt Rewards Card from Chase
- Chase BA Visa
- United MileagePlus Explorer Card; business card
- United MileagePlus Club Card (and business card)
- Southwest Airlines, 4 cards currently available
- Chase Amazon Visa
- Does Chase have a limit on the number or frequency of applications like Citi's 8/65 rule?
- What's this I hear about Chase denying applications to people who have recently opened a lot of credit cards?
- Does the 5/24 rule apply to applications for all Chase cards?
- How does Chase calculate the number of an applicant's new cards for purposes of the 5/24 rule?
- How does Chase calculate the relevant 24-month period? By calendar months? By exact days?
- Can I get around the 5/24 policy by closing cards I've opened in the past 24 months?
- Is there any way around the 5/24 policy (targeted mailers, pre-approvals, Chase Private Client status)?
- Can I apply for a specific Chase card and earn the bonus again after doing so previously?
- I'm an authorized user for a card issued to my spouse/parent. Does that prevent me from signing up for the same card and earning a bonus?
- I already have several Chase cards with a substantial aggregate line of credit. Will it improve my odds if I close an existing account (or lower its credit line) before applying for another?
- I wasn't auto-approved. Should I call in?
- How can I determine the deadline for meeting the spend requirement to earn the signup bonus?
- Once I meet the card's spend requirement, how soon will I receive my signup bonus points?
- Should I downgrade or cancel my existing cards before applying?
- Useful Chase telephone numbers
Does Chase have a limit on the number or frequency of applications like Citi's 8/65 rule?
Chase does not have a known limit. However, several reports (for example) indicate that Chase is highly sensitive to multiple applications within a short time period, and that the second (or subsequent) applications run a substantial risk of being denied. In many cases, this is likely related to Chase's practice of allocating a large credit line (up to an applicant's personal maximum) when approving a new card such as the first application in a series. (See also the discussion below concerning aggregate Chase credit lines.)
What's this I hear about Chase denying applications to people who have recently opened a lot of credit cards?
Starting in May 2015, Chase began denying applications for its own personal cards (e.g., Sapphire Preferred, Freedom, Slate & Freedom Unlimited) if the applicant's credit report shows that she or he opened 5 or more credit cards with any card issuer in the prior 24 months ("the 5/24 rule").
For a few days in early September 2016, Chase included explicit language ("You will not be approved for this card if you have opened 5 or more bank cards in the past 24 months") on the application page for the Sapphire Reserve card--and then promptly removed it. The absence of this language on landing/application pages for the CSR or any other Chase card is not a reliable indicator of whether the 5/24 policy applies.
See the next section for co-branded cards exempt from the 5/24 policy, and the later section discussing potential ways around 5/24.
For a few days in early September 2016, Chase included explicit language ("You will not be approved for this card if you have opened 5 or more bank cards in the past 24 months") on the application page for the Sapphire Reserve card--and then promptly removed it. The absence of this language on landing/application pages for the CSR or any other Chase card is not a reliable indicator of whether the 5/24 policy applies.
See the next section for co-branded cards exempt from the 5/24 policy, and the later section discussing potential ways around 5/24.
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, 2016, we have such reports for these co-branded cards (in order from oldest to newest for each card):
For a longer list of cards apparently not subject to 5/24, check this link:
In November 2018, Chase seems to have possibly expanded 5/24 to more cards, possibly including some mentioned above. See this link:
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, 2016, we have such reports for these co-branded cards (in order from oldest to newest for each card):
- Hyatt (link; link; link; link; link; link; link; link; link; link)
- Marriott business card (link; link; link; link; link; link; link; link; link; link)
- IHG (link; link; link; link; link; link)
- BA (link; link)
For a longer list of cards apparently not subject to 5/24, check this link:
In November 2018, Chase seems to have possibly expanded 5/24 to more cards, possibly including some mentioned above. See this link:
Please follow discussion in the thread for current updates.
How does Chase calculate the number of an applicant's new cards for purposes of the 5/24 rule?
The 24-month count includes personal cards opened at other banks, and even cards on which the applicant is only an authorized user and not the primary cardholder. Chase has been extremely inflexible with this policy, with agents stating that there is nothing they can do to circumvent this restriction. However, in some cases Chase may reconsider a denial if the applicant has <5 new cards excluding cards on which s/he is an authorized user. You may need to escalate to the next level of customer service agent, as many front-line agents seem to be unable or unwilling to remove the authorized user accounts from the count.
Note:
Note:
- The actual cut-off number of recently opened cards may not be 5; it may be lower or perhaps higher, and it may differ for different applicants. Note also that the number of inquiries on a given credit reporting agency (or the total across all CRAs) is irrelevant.
- Cards not reported to EQ/TU/EX, such as most business cards and store charge cards, don't count towards this 5-card limit (for the simple reason that Chase cannot see them). Two FTers had previously reported that even Chase business cards are NOT included in the 5/24 tally, and more recently a third FTer has documented a case where they would have been 6/24 if a Chase business card had been counted. Similar conclusions have also been made by some travel bloggers.
How does Chase calculate the relevant 24-month period? By calendar months? By exact days?
In February 2017, a FTer reported a successful application a day or two after dropping from 5/24 to 4/24. However, because Chase sometimes approves applicants who are at 5/24 exactly (see above), this data point does not conclusively prove that Chase drops cards from its calculation on the exact 24-month anniversary of the previous bonus.
Can I get around the 5/24 policy by closing cards I've opened in the past 24 months?
No. Chase uses the information from your credit report, and closing an account doesn't make it disappear.
Is there any way around the 5/24 policy (targeted mailers, pre-approvals, Chase Private Client status)?
As to targeted mailers, we have insufficient anecdotal evidence to reach any reliable conclusions. (Reports suggesting no exemption from 5/24 here and here.)
There have been reports of people with more than 5 cards opened in the last 24 months being successful if they are already pre-approved for the card in question. To find out if you are pre-approved, you can call or go into a branch to ask. Success stories appear to be connected to Chase Private Client (CPC) status and the rollout of the Chase Sapphire Reserve card. In-branch pre-approvals (showing a green screen on the banker's computer) result in automatic approvals. Some (but not all) CPC clients had success in recon calls[[I]citation needed].
There have been reports of people with more than 5 cards opened in the last 24 months being successful if they are already pre-approved for the card in question. To find out if you are pre-approved, you can call or go into a branch to ask. Success stories appear to be connected to Chase Private Client (CPC) status and the rollout of the Chase Sapphire Reserve card. In-branch pre-approvals (showing a green screen on the banker's computer) result in automatic approvals. Some (but not all) CPC clients had success in recon calls[[I]citation needed].
Can I apply for a specific Chase card and earn the bonus again after doing so previously?
It depends. A Chase card may be "churned" when an entirely new version becomes available. For example, business cards are distinct from personal/consumer cards. Note that simple variations among bonus offers do not amount to new versions/products for purposes of this rule.
Beginning in 2014, Chase began including explicit language in most of its offers, such as the following:
Effective August 2018, Chase imposed stringent additional restrictions on receiving the signup bonus for any version of the Sapphire card. See Sapphire (CSR & CSP) 48 months between bonuses, August 2018 and the master threads for each card (listed above) for details and discussion.
There are four key considerations in determining whether you can churn a given card:
Beginning in 2014, Chase began including explicit language in most of its offers, such as the following:
This new cardmember bonus offer is not available to either (i) current cardmembers of this consumer credit card, or (ii) previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months.
There are four key considerations in determining whether you can churn a given card:
- The 5/24 policy discussed in detail above.
- The 24-month bonus waiting period--in the case of Sapphire cards, the collective 48-month period--is measured not from the date of your previous application (or approval date, if different), but instead from the date you received the signup-related bonus on the previous card, which may be 3-4 months later than the approval date. The same rule applies regardless of the type of signup bonus received (points, miles, or free-night certs); anniversary benefits unrelated to spending requirements, such as annual IHG & Marriott certs, do not count as signup bonuses.
- For cards such as BA Visa where the signup bonus is earned in multiple stages, the most recent reports are that the 24-month clock starts running only on receipt of the last bonus installment. In an older report, one FTer found that the 24 months appear to run from the initial bonus; after some difficulty, another FTer was told the same thing.
- If you still have your old card of the same type, you're ineligible.
- Chase's policy does not indicate whether there is also a minimum waiting period between cancellation and reapplication, and there is not yet sufficient anecdotal evidence from FTers to draw firm conclusions. At a minimum, a prudent churner will wait at least a week or two after cancellation before reapplying so that all of Chase's systems fully reflect that closure. (See first bullet point above.) At least one FTer has reported re-applying successfully 14 days after canceling the previous card.
I'm an authorized user for a card issued to my spouse/parent. Does that prevent me from signing up for the same card and earning a bonus?
No. Being an additional user on someone else's account poses no bar to applying for that same card & bonus, except insofar as such cards may count toward the 5/24 rule (as discussed above).
I already have several Chase cards with a substantial aggregate line of credit. Will it improve my odds if I close an existing account (or lower its credit line) before applying for another?
Yes.
In the past, the conventional wisdom among FTers was that you were more likely to hurt your chances by closing an account or reducing CL unilaterally. However, substantial evidence from 2014 onward strongly indicates that Chase is increasingly likely to reject applications (or at least not auto-approve them) where an applicant has an existing total credit line that is high compared to his/her income & spending patterns. (For many members, the threshold appears to be in the $45K-60K range, but that is highly speculative.)
Recent reports suggest that closing accounts and/or voluntarily reducing credit lines increases the odds of auto-approval or in-branch pre-approval. (You can do either by calling or simply sending a secure message through your Chase online account. You do not need to provide a reason for the request.) For best results, keep at least $5K-10K in excess credit; if your application is not approved, you can always contact the reconsideration department and offer to reallocate that portion of your existing credit line. Note: despite allowing credit line to be moved between personal and business accounts in the past, Chase is no longer permitting such reallocation in either direction.
With respect to timing, it is better to reduce any CL as soon as you can conveniently do so, e.g., after meeting the bonus spend on a card you do not plan to use regularly thereafter. (Do not reduce CL on a given card if it would increase your "credit utiilization"--that is, the ratio of outstanding balance to CL--above ~30%. A high credit utilization number is a red flag for banks and can adversely affect your credit score.) Waiting until one's next application to lower a CL is less than optimal, as the reduced CL is not immediately recognized by all of Chase's systems.
There is no known minimum wait between lowering a CL and having the freed-up amount become available for purposes of a new application. A prudent applicant will, as recommended above, plan well in advance; failing that, an applicant would be wise to wait at least 24 hours between lowering a CL and applying for a new card.
In the past, the conventional wisdom among FTers was that you were more likely to hurt your chances by closing an account or reducing CL unilaterally. However, substantial evidence from 2014 onward strongly indicates that Chase is increasingly likely to reject applications (or at least not auto-approve them) where an applicant has an existing total credit line that is high compared to his/her income & spending patterns. (For many members, the threshold appears to be in the $45K-60K range, but that is highly speculative.)
Recent reports suggest that closing accounts and/or voluntarily reducing credit lines increases the odds of auto-approval or in-branch pre-approval. (You can do either by calling or simply sending a secure message through your Chase online account. You do not need to provide a reason for the request.) For best results, keep at least $5K-10K in excess credit; if your application is not approved, you can always contact the reconsideration department and offer to reallocate that portion of your existing credit line. Note: despite allowing credit line to be moved between personal and business accounts in the past, Chase is no longer permitting such reallocation in either direction.
With respect to timing, it is better to reduce any CL as soon as you can conveniently do so, e.g., after meeting the bonus spend on a card you do not plan to use regularly thereafter. (Do not reduce CL on a given card if it would increase your "credit utiilization"--that is, the ratio of outstanding balance to CL--above ~30%. A high credit utilization number is a red flag for banks and can adversely affect your credit score.) Waiting until one's next application to lower a CL is less than optimal, as the reduced CL is not immediately recognized by all of Chase's systems.
There is no known minimum wait between lowering a CL and having the freed-up amount become available for purposes of a new application. A prudent applicant will, as recommended above, plan well in advance; failing that, an applicant would be wise to wait at least 24 hours between lowering a CL and applying for a new card.
I wasn't auto-approved. Should I call in?
It may be better to avoid calling Chase unless your application is denied. Many recent calls on pending applications led to denials, and many people report having success letting applications work their way through the system. Be patient. Time is on your side; increasingly, Chase CSRs are not.
If you do call, expect extensive and possibly hostile questioning. Be prepared to answer questions regarding the need for more credit, past credit apps for both Chase and other banks, income, business finances, etc. Know your CLs with Chase before you call so you know which card/s you are willing to decrease the CLs on. If the app is for a significant other who dislikes such calls, they can authorize you to speak on their behalf and hand the phone over to you.
If you do call, expect extensive and possibly hostile questioning. Be prepared to answer questions regarding the need for more credit, past credit apps for both Chase and other banks, income, business finances, etc. Know your CLs with Chase before you call so you know which card/s you are willing to decrease the CLs on. If the app is for a significant other who dislikes such calls, they can authorize you to speak on their behalf and hand the phone over to you.
How can I determine the deadline for meeting the spend requirement to earn the signup bonus?
Just send Chase a secure message (SM) through your online account. Although the deadline should in theory be N months from the date of approval (not the date of application or card activation)--where N is the number of months specified in the offer--Chase typically pads this period to account for the time required to fabricate and deliver physical cards. For example, a recent "3-month" deadline was in fact 114 days, as confirmed by Chase's SM confirmation.
Once I meet the card's spend requirement, how soon will I receive my signup bonus points?
Bonus points typically accrue at the close of the billing period in which you incur the corresponding charges. Points should appear in your hotel/airline account within a few days thereafter.
NOTE: If you complete your required spending in the last 7-10 days of the statement period, the bonus may not post until the following month's statement, even if the regular per-dollar points post on the first statement. This is normal behavior for Chase and is not worth a phone call.
NOTE: If you complete your required spending in the last 7-10 days of the statement period, the bonus may not post until the following month's statement, even if the regular per-dollar points post on the first statement. This is normal behavior for Chase and is not worth a phone call.
Should I downgrade or cancel my existing cards before applying?
See the discussion at
Useful Chase telephone numbers
(800) 432-3117 – General Application Status Line, automated
(800) 436-7927 – Alternative General Application Status Line, automated
(888) 609-7805 – Alternative Personal Reconsideration line with live rep
(888) 269-8690 - Business Credit Card Application Status Line, automated
(800) 453-9719 – Business Credit Card Reconsideration Line with live rep
(800) 955-9900 – General Card Services and Application status, automated
(888) 298-5623 – Credit Reallocation Office (Personal cards)
(800) 453-9719 – Credit Reallocation Office (Business cards)
(888) 622-7547 – Executive Offices
(877) 470-9042 – Personal Application Verification line with live rep
Twitter: @ChaseSupport
Note: In the past, automated telephone status reports stating that Chase would notify you in 2 weeks often resulted in an approval, whereas the "7-10 days" telephone recording often indicated imminent denial. In 2016, this pattern became increasingly unpredictable, with many applicants receiving approval despite an earlier "7-10 days" automated telephone message. As a result, automated telephone responses should not be regarded as reliable indicators of an application's likely outcome.
(800) 436-7927 – Alternative General Application Status Line, automated
(888) 609-7805 – Alternative Personal Reconsideration line with live rep
(888) 269-8690 - Business Credit Card Application Status Line, automated
(800) 453-9719 – Business Credit Card Reconsideration Line with live rep
(800) 955-9900 – General Card Services and Application status, automated
(888) 298-5623 – Credit Reallocation Office (Personal cards)
(800) 453-9719 – Credit Reallocation Office (Business cards)
(888) 622-7547 – Executive Offices
(877) 470-9042 – Personal Application Verification line with live rep
Twitter: @ChaseSupport
Note: In the past, automated telephone status reports stating that Chase would notify you in 2 weeks often resulted in an approval, whereas the "7-10 days" telephone recording often indicated imminent denial. In 2016, this pattern became increasingly unpredictable, with many applicants receiving approval despite an earlier "7-10 days" automated telephone message. As a result, automated telephone responses should not be regarded as reliable indicators of an application's likely outcome.
Applying for Chase Credit Cards, 2017-2019
Feb 28, 2018, 3:07 pm
#1516
Join Date: Aug 2009
Posts: 1,088
I have an online log in. It only shows my wife's current Chase card. Not my new one. But the long in has only ever been affiliated with her card.
When I try to log in under my previous credentials it wants to verify the account with my credit card number, which I do not have yet, and the old one has been canceled. So I can't log on.
When I try to log in under my previous credentials it wants to verify the account with my credit card number, which I do not have yet, and the old one has been canceled. So I can't log on.
Feb 28, 2018, 5:19 pm
#1518
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
Calling in on a Chase Biz app is frowned upon by most of our experienced members. As I was told recently, just let it work it's way through the system. If you get rejected then call recon and plead your case. I'd wait. ^ Good luck.
Feb 28, 2018, 6:02 pm
#1519
Join Date: Nov 2006
Location: LAX
Posts: 2,851
Just because you couldn't find an answer doesn't mean you should start a new thread. If info gets spread around in too many threads it makes searches more difficult.
Calling in on a Chase Biz app is frowned upon by most of our experienced members. As I was told recently, just let it work it's way through the system. If you get rejected then call recon and plead your case. I'd wait. ^ Good luck.
Calling in on a Chase Biz app is frowned upon by most of our experienced members. As I was told recently, just let it work it's way through the system. If you get rejected then call recon and plead your case. I'd wait. ^ Good luck.
Mar 1, 2018, 1:35 am
#1520
Join Date: Feb 2017
Location: Everywhere and Nowhere
Programs: DL GM
Posts: 515
Ok, forgive me as I'm going to be a little more blunt this time. You need to forget everything you think you know about credit. Once again, the Chase rep has told you everything you need to know. If I had a rep tell me this:then I know the solution.. make sure that card reports <$250 (5%) to the CRA's before applying again. And make sure to use your BofA card so it reports a small balance allowing Chase to factor in that card as well. Simple.
For some reason, you seem to have chosen to argue with the rep and stand firm:That's your prerogative, but if you want my advice, I would tell you to listen to what the rep is telling you or stop applying for Chase cards.
For some reason, you seem to have chosen to argue with the rep and stand firm:That's your prerogative, but if you want my advice, I would tell you to listen to what the rep is telling you or stop applying for Chase cards.
The reason I brought the credit utilization discussion up was because I'm trying to determine where that $5000 credit limit number the lending services rep repeated to me could possibly be coming from, because it isn't my credit report. I don't know any CRA that includes charge card balances when determining credit utilization, charge cards are by definition not revolving accounts, and I know for a fact no CRA reports a credit limit for a charge card, so where is the $5000 credit limit Chase is claiming I have coming from? Every single credit reporting agency shows that I have a $23K credit limit. Even if we assume Chase is throwing out the BoA CC for lack of use, where does the $5K number come from for two charge cards with no limits?
Prior to all credit scoring systems removing charge cards from their utilization equations, they would use the highest monthly balance on an account to determine what the "credit limit" was. Chase would have access to that information on my credit report and just one of the two Amex cards would show a highest monthly balance far higher than $5K, never mind the two combined which would be well in excess of $20K as recently as December. There is no possible credit system that would take my readily available credit report information and say I had a $5K credit limit and it certainly couldn't say I have high credit utilization. Protecting a proprietary algorithm is one thing, placing an arbitrary credit limit on charge cards and telling a customer the denial letter your own company sent is wrong without explanation is another.
It is what it is I guess but the information disconnect between Chase's own departments and my credit report is mildly concerning to say the least.
Mar 1, 2018, 8:02 pm
#1521
Join Date: Dec 2010
Posts: 1,516
Applied for Marriott Business card, last Chase card was last May. App went to pending, today I got a rejection letter "too many requests for credit or opened accounts with us". My last credit app (with other bank) was back to November 2017. I have only 2 Chase personal cards, no business cards. I'm very surprised by that decision.
Mar 2, 2018, 1:09 am
#1522
Join Date: Aug 2010
Posts: 124
Applied for Marriott Business card, last Chase card was last May. App went to pending, today I got a rejection letter "too many requests for credit or opened accounts with us". My last credit app (with other bank) was back to November 2017. I have only 2 Chase personal cards, no business cards. I'm very surprised by that decision.
I'd definitely call in to see about reconsidering this. That's a pretty generic denial response, and I and family members have pushed our apps through each of the ~3x we've encountered it.
May I ask what you reported for business age and revenue? And your x/24 status (albeit the Marriott biz is immune to it)?
Also curious if you considered the CIP rather than Marriott when applying, with it entailing a more lucrative sign-up bonus.
Mar 2, 2018, 3:17 am
#1523
Join Date: Dec 2010
Posts: 1,516
Very unfortunate, especially for this being your only Chase business CC/app.
I'd definitely call in to see about reconsidering this. That's a pretty generic denial response, and I and family members have pushed our apps through each of the ~3x we've encountered it.
May I ask what you reported for business age and revenue? And your x/24 status (albeit the Marriott biz is immune to it)?
Also curious if you considered the CIP rather than Marriott when applying, with it entailing a more lucrative sign-up bonus.
I'd definitely call in to see about reconsidering this. That's a pretty generic denial response, and I and family members have pushed our apps through each of the ~3x we've encountered it.
May I ask what you reported for business age and revenue? And your x/24 status (albeit the Marriott biz is immune to it)?
Also curious if you considered the CIP rather than Marriott when applying, with it entailing a more lucrative sign-up bonus.
Mar 2, 2018, 7:30 am
#1524
Join Date: Nov 2006
Location: LAX
Posts: 2,851
I applied online yesterday for Marriott biz and got the "call us now with reference number " and an email about 30 days for decision.
Today, on my chase account, I see the Marriot Biz account there.
I have the 75k after 3k spend, no annual fee first year
Mar 2, 2018, 7:54 am
#1525
Join Date: Aug 2012
Location: Dreamland
Posts: 928
For Marriott Biz, I got about a month ago, I was at the time 5/24 on the dot. Pending. I called in, and went through the ringer on business questions (Have an Ink Cash and CIP too) so they wanted to know more about biz, etc... but got it approved on that call.
Mar 3, 2018, 3:39 pm
#1526
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
Marriot Biz doesn't seem to count. I am way pass 8/24 with Chase.
I applied online yesterday for Marriott biz and got the "call us now with reference number " and an email about 30 days for decision.
Today, on my chase account, I see the Marriot Biz account there.
I have the 75k after 3k spend, no annual fee first year
I applied online yesterday for Marriott biz and got the "call us now with reference number " and an email about 30 days for decision.
Today, on my chase account, I see the Marriot Biz account there.
I have the 75k after 3k spend, no annual fee first year
Does the 5/24 rule apply to applications for all Chase cards?
It is well-documented that Marriott Biz does not count. Marriott Personal counts. Which version (bonus) you applied, does not have any bearing on whether it counts or not count. All Marriott Biz cards dont, all Marriott personal cards do.
For that matter, IHG. Hyatt and BA also dont count. IHG and Hyatt were wrongly attributed for Chase shut down triggers only because they were generally the Chase cards applied by those who had lol/24 due to the cards not subj to 5/24.
It is explained very well in No;11 of the Wiki.
I wasn't auto-approved. Should I call in?
The Wiki are there for good reasons. 99% of the questions already are answered in the Wiki. Why people do not use this excellent source of collective knowledge?
People, PLEASE read the Wiki which is very well organized and being kept updated, have almost all possible questions answered from application to when would one see the bonus...
Last edited by Happy; Mar 3, 2018 at 3:47 pm
Mar 3, 2018, 7:08 pm
#1527
Join Date: Mar 2018
Posts: 1
Bonus rules for the SW Business Premier Card ?
Hey Flyertalk!
I applied for the Southwest Business Premier card and somehow received two on the same day.
They have unique account numbers and card numbers.
Any ideas why this might have happened? Do you think I could get the bonus for each card if I meet the minimum spend on each one?
I applied for the Southwest Business Premier card and somehow received two on the same day.
They have unique account numbers and card numbers.
Any ideas why this might have happened? Do you think I could get the bonus for each card if I meet the minimum spend on each one?
Mar 4, 2018, 10:23 am
#1528
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
Hey Flyertalk!
I applied for the Southwest Business Premier card and somehow received two on the same day.
They have unique account numbers and card numbers.
Any ideas why this might have happened? Do you think I could get the bonus for each card if I meet the minimum spend on each one?
I applied for the Southwest Business Premier card and somehow received two on the same day.
They have unique account numbers and card numbers.
Any ideas why this might have happened? Do you think I could get the bonus for each card if I meet the minimum spend on each one?
Mar 4, 2018, 11:38 am
#1529
Join Date: Sep 2012
Posts: 586
I encountered a unusual denial today. I am at 4/24 and I applied for the Chase United Business card. I got the 7-10 day message so I called in. They started out with you have too many credit cards, I asked them to remove AUs from the list, which they understood and quickly did. They then said although I was at 4/24 on my credit report without AUs, they could see the CIP I applied for in November 2017 and they were counting that as well, which pushed me to 5/24 and resulted in a deny. I thought all Chase Biz cards didn't count against your limit?
Mar 4, 2018, 1:25 pm
#1530
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,194
I encountered a unusual denial today. I am at 4/24 and I applied for the Chase United Business card. I got the 7-10 day message so I called in. They started out with you have too many credit cards, I asked them to remove AUs from the list, which they understood and quickly did. They then said although I was at 4/24 on my credit report without AUs, they could see the CIP I applied for in November 2017 and they were counting that as well, which pushed me to 5/24 and resulted in a deny. I thought all Chase Biz cards didn't count against your limit?
(Not that this helps you now but the general consensus is do not call Chase on business cards that are under review. Either wait for the eventual approval or the denial letter.)