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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
#916
Join Date: Sep 2004
Location: The World!!!
Programs: Some of them not all ...
Posts: 1,532
I'd like to add one more DP in support of the argument that Chase is not counting business cards against 5/24.
My recent activity:
Amex Platinum opened 8/4/15
Amex PRG opened 9/7/15
Sapphire Preferred opened 8/1/16
Sapphire Reserve opened 8/23/16
Ink Preferred opened 7/17/17
Applied for Freedom Unlimited today 7/20/17, not auto approved. Called recon line in wiki and approved after painless reallocation of credit lines. Total exposure with Chase is 104K, so not unexpected.
Bottom line, I would be at 6/24 if the recent Ink Preferred app counted.
My recent activity:
Amex Platinum opened 8/4/15
Amex PRG opened 9/7/15
Sapphire Preferred opened 8/1/16
Sapphire Reserve opened 8/23/16
Ink Preferred opened 7/17/17
Applied for Freedom Unlimited today 7/20/17, not auto approved. Called recon line in wiki and approved after painless reallocation of credit lines. Total exposure with Chase is 104K, so not unexpected.
Bottom line, I would be at 6/24 if the recent Ink Preferred app counted.
#918
Join Date: Dec 2015
Programs: AA, WN, Amex, ThankYou, Hyatt, IHG, Marriott, SPG, SQ
Posts: 29
My wife applied for the IHG and got denied due to too many inquiries/cards opened recently. How long should she wait before reapplying again?
I have the same number of inquiries/cards opened but got auto approved. The only difference i can see is that i lower my credit line from other Chase cards before applying. I am planning to lower my wife credit line from other cards and reapply in a month. Is that reasonable? Credit amd income is not an issue. Thanks.
I have the same number of inquiries/cards opened but got auto approved. The only difference i can see is that i lower my credit line from other Chase cards before applying. I am planning to lower my wife credit line from other cards and reapply in a month. Is that reasonable? Credit amd income is not an issue. Thanks.
junks is curious about the IHG card and I'm curious about the Ink Preferred as well as the Hyatt card.
Thanks in advance.
#919
Join Date: Jan 2013
Posts: 24
Wow....don't jump your guns too fast. It's very well established that: with Chase - calling for personal is okay and calling for biz is not okay.
#920
Join Date: Mar 2007
Location: SJC/SFO
Programs: WN A+ CP, UA 1MM/*A Gold, Mar LT Tit, IHG Plat, HH Dia
Posts: 6,285
It's worth adding 1-2 more Chase cards that 5/24 applies to before branching out to other banks.
For non-category spend I like using the SPG Amex. SPG points are worth north of $.02 each used for hotel redemptions and as transfers to other programs.
Definitely considering cutting down your existing $32-34k CLs before applying for new cards. I suggest reducing them to 5x what your typical month spend on those cards will be. That's because you don't want a high utilization rate (20%+) on any one card to reduce your credit score. Note also, if you do have a lot of spend, either most months or once in a while, you can pay part or all of your balance before the statement date to lower the balance reported.
For non-category spend I like using the SPG Amex. SPG points are worth north of $.02 each used for hotel redemptions and as transfers to other programs.
Definitely considering cutting down your existing $32-34k CLs before applying for new cards. I suggest reducing them to 5x what your typical month spend on those cards will be. That's because you don't want a high utilization rate (20%+) on any one card to reduce your credit score. Note also, if you do have a lot of spend, either most months or once in a while, you can pay part or all of your balance before the statement date to lower the balance reported.
#921
Join Date: Jan 2016
Posts: 31
I just got into the game, have pretty similar cards and was just thinking what to get next so I'm glad you posted.
Both me and my wife had freedom cards so I product changed to the unlimited and then we added eachother as AU.
Opened the SW+ & SW Premier 2 mos ago and then had my wife apply for the Reserve last week. Once we hit the Minimum I'd like to apply for the ink preferred or cash to get the chase quadfecta.
What would be a good card to pair next with the chase cards? (Sorry to thread jack OP)
Both me and my wife had freedom cards so I product changed to the unlimited and then we added eachother as AU.
Opened the SW+ & SW Premier 2 mos ago and then had my wife apply for the Reserve last week. Once we hit the Minimum I'd like to apply for the ink preferred or cash to get the chase quadfecta.
What would be a good card to pair next with the chase cards? (Sorry to thread jack OP)
#922
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,933
This would give you the best chance at an auto approval with Chase.
Then apply for a CSP and an Ink as they have the highest bonuses.
Or apply wait for a pending and then call to move credit around.
#923
Join Date: Jun 2015
Location: USA
Programs: Chase UR, AAdvantage, Rapid Rewards, Alaska, Skymiles, IHG
Posts: 12
If I'm at 4/24 can apply for 2 Chase cards in one go?
I'm at 4/24 right now and wanted to get the CSR and Ink Business card. I'm wondering if I applied for them back to back within minutes of each other would I be likely to get both or only the first one I apply for? Since one is personal and one is business I have no idea how that might play out.
Are they also likely to be combined into one hard pull on my credit?
Are they also likely to be combined into one hard pull on my credit?
#924
Join Date: Aug 2010
Posts: 124
I'm at 4/24 right now and wanted to get the CSR and Ink Business card. I'm wondering if I applied for them back to back within minutes of each other would I be likely to get both or only the first one I apply for? Since one is personal and one is business I have no idea how that might play out.
Are they also likely to be combined into one hard pull on my credit?
Are they also likely to be combined into one hard pull on my credit?
Business cards also fall under the 1/30 requirement, or one approval per 30 days, so you'll want to get the Ink/CIP first. Else the CSR approval would effectively ensure a denial on the business card.
#925
Join Date: Jul 2017
Posts: 4
4/24 need advice - MPE or CSR
I am new to churning/award travel and I am looking for some advice.
Currently 4/24, just got CSP (last week) and also have a Freedom Unlimited. My first CC will fall out of 5/24 on 03/01/18
My plan was to wait a few months and hope that CSR has another nice signup bonus then get CSR, this would put me at 5/24.
I just saw the MPE 70k+50$ targeted offer on my MP account and this offer seems to good to pass up, I travel frequently on United and my home airport is a United hub.
1. Should I get the MPE now, putting me at 5/24, and then wait for 03/01/18 to get my CSR?
2. Will my recent approval for CSP (last week) affect my chances of being approved for MPE this week?
Thank you!
Currently 4/24, just got CSP (last week) and also have a Freedom Unlimited. My first CC will fall out of 5/24 on 03/01/18
My plan was to wait a few months and hope that CSR has another nice signup bonus then get CSR, this would put me at 5/24.
I just saw the MPE 70k+50$ targeted offer on my MP account and this offer seems to good to pass up, I travel frequently on United and my home airport is a United hub.
1. Should I get the MPE now, putting me at 5/24, and then wait for 03/01/18 to get my CSR?
2. Will my recent approval for CSP (last week) affect my chances of being approved for MPE this week?
Thank you!
Last edited by FF12; Jul 23, 2017 at 6:10 pm
#926
Join Date: Jan 2016
Posts: 31
I'm planning to upgrade my wife's ring for our 10 yr anniversary. If I apply for the Ink Preferred and get approved being that it is a business card, would it raise any red flags that I put her gift on it to help me meet the minimum spend?
#927
Join Date: Feb 2013
Programs: Hilton Plastic, Delta Silver Emeritus
Posts: 1,037
I'm not sure what the consumer protections are for the Ink, but even if weaker 80,000 URP is worth any increased risk of loss, dmamge, dispute...
#928
Join Date: Jun 2015
Location: USA
Programs: Chase UR, AAdvantage, Rapid Rewards, Alaska, Skymiles, IHG
Posts: 12
Has anyone here ever been at 4/24 ever applied for 2 Chase cards at the same time and got them both?
#929
Join Date: Jan 2008
Posts: 90
Thanks for your feedback. So now that we established that it would be 2 hard pulls, do you think there would be a high likelihood of being denied the CSR due to 5/24 if I applied for the CIP first and then the CSR on the same day within the hour? I'm just wondering how quickly Chase would realize that I'm not longer 4/24 after applying for a card.
Has anyone here ever been at 4/24 ever applied for 2 Chase cards at the same time and got them both?
Has anyone here ever been at 4/24 ever applied for 2 Chase cards at the same time and got them both?
2) Keep in mind that most of the time business cards require you to provide additional info, so instant approval is unlikely. Maybe I am wrong, but it seems like 9/10 business card apps require a call in. Do you have a legit business with its own tax ID? does that business have other chase cards?
3) I am not sure about the hard pulls. In Jan my wife and I each applied for 3 cards on the same day. I did all personal (CSR, 2 x SW) and my wife did CSR, SW & Ink+ and we both had only one hard pull. BUT last month my wife applied for a second southwest card via laptop in a chase branch and then for the Ink Pref with the banker and she got 2 pulls. (she didn't get instant approval for either one - our mistake was not lowering her existing CL. Had we done that I am sure we would have been instant approved for the SW at a min and maybe even for the Ink as well since it was for a legit business that already had a chase card for 3+ years)
Hope this helps.
#930
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...do you think there would be a high likelihood of being denied the CSR due to 5/24 if I applied for the CIP first and then the CSR on the same day within the hour? I'm just wondering how quickly Chase would realize that I'm not longer 4/24 after applying for a card.
So if you were approved for the CIP first, you'd still be at 4/24 when you applied for the CSR.