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Applying for Chase Credit Cards, 2017 onward

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Old Nov 30, 17, 8:00 am   -   Wikipost
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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.

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
  1. Does Chase have a limit on the number or frequency of applications like Citi's 8/65 rule?

  2. What's this I hear about Chase denying applications to people who have recently opened a lot of credit cards?

  3. Does the 5/24 rule apply to applications for all Chase cards?

  4. How does Chase calculate the number of an applicant's new cards for purposes of the 5/24 rule?

  5. How does Chase calculate the relevant 24-month period? By calendar months? By exact days?

  6. Can I get around the 5/24 policy by closing cards I've opened in the past 24 months?

  7. Is there any way around the 5/24 policy (targeted mailers, pre-approvals, Chase Private Client status)?

  8. Can I apply for a specific Chase card and earn the bonus again after doing so previously?

  9. 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?

  10. 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?

  11. I wasn't auto-approved. Should I call in?

  12. How can I determine the deadline for meeting the spend requirement to earn the signup bonus?

  13. Once I meet the card's spend requirement, how soon will I receive my signup bonus points?

  14. Should I downgrade or cancel my existing cards before applying?

  15. 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.

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:
http://www.doctorofcredit.com/chase-...ail-need-know/
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:

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[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 from a standard Sapphire Preferred offer:
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 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.
  • 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.

Finally, note that if you reapply too soon, Chase may still issue you the new card. (This differs from some other card issuers, which may deny such applications outright.) In this case, Chase typically notifies you by letter within a month or two after approval that, as a previous cardholder, you will not receive the bonus a second time.

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.

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.

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.

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
(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.
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Old Oct 23, 17, 8:06 pm
  #1186
 
Join Date: Sep 2004
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Originally Posted by 9Benua View Post
I just called recon line, got denied on Chase Marriott personal card for 5/24 rule. Is there any other recourse to get this approved? I did get these chase cards for the last year:

CSR
CSP
United
IHG
Hyatt
No, there is not. If you are 5/24 and not pre approved in branch (and applied in branch if pre approved), then there is no way you can get it approved. Also, you are saying the 5 cards you got are not AU cards, so pretty much you are 5/24 and who knows if you got more personal cards from other banks in the last 2 years.
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Old Oct 24, 17, 7:46 am
  #1187
 
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Originally Posted by carlitos View Post
No, there is not. If you are 5/24 and not pre approved in branch (and applied in branch if pre approved), then there is no way you can get it approved. Also, you are saying the 5 cards you got are not AU cards, so pretty much you are 5/24 and who knows if you got more personal cards from other banks in the last 2 years.
Thanks, I guess I have to wait another year for the last one to drop.
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Old Oct 24, 17, 11:37 am
  #1188
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Originally Posted by 9Benua View Post
Thanks, I guess I have to wait another year for the last one to drop.
Like I said above, no you don't!

You can apply for the business Marriott card and probably get approved despite being 5+/24. (You won't be denied for 5/24 reasons; we of course can't be sure whether you'll be denied for any other reasons.)

Just know not to call (even if they ask you to call) after you apply for a business card from Chase.

And since it's not clear whether there will even be a Marriott card in a year (given the merger with Starwood, nothing is known yet about which bank(s) will issue cards for the merger program), why wait a year?

Last edited by sdsearch; Oct 24, 17 at 7:43 pm Reason: spelling
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Old Oct 24, 17, 11:41 am
  #1189
 
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Originally Posted by sdsearch View Post
Like I said above, no your don't!
Thank's for the tips.
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Old Oct 25, 17, 6:28 am
  #1190
Moderator: American AAdvantage, Signatures
 
Join Date: Jan 2008
Location: London, England
Programs: AA EXP Emeritus — Now UA 1K, Hilton, Marriott/SPG Gold, National Exec
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I screwed up pretty good and signed up for the Chase United MileagePlus Explorer card and missed the 3 month window to spend $3k by about 3 weeks. I contacted Chase by private message and asked if I could get a short extension, and was told to find a fencepole to sit on.

My questions are:

  • Is it even worth calling Chase and asking again?
    • I could meet the minimum very quickly, I've just had a million things going on and this was way down my priority list.
  • If there's no way to extend, how quickly could I churn the card and reapply?
    • I don't actually play the credit card game—I only got this card as I switched my flying from AA to UA so needed a United credit card. I actually intended to keep it long term, but I'm certainly not going to do that without getting a bonus of some sort so I'm willing to do a bit of dancing if I need to.

Thanks in advance for your advice.
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Old Oct 25, 17, 8:24 am
  #1191
 
Join Date: Aug 2010
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Originally Posted by Microwave View Post
I don't actually play the credit card game—I only got this card as I switched my flying from AA to UA so needed a United credit card. I actually intended to keep it long term, but I'm certainly not going to do that without getting a bonus of some sort so I'm willing to do a bit of dancing if I need to.[/LIST][/LIST]
Thanks in advance for your advice.
If you have met thebspending by now. Try calling again. Threaten to cancel. And if they ask why. Tell them why would I keep it when I missed the bonus. Tell them if they make the exception you will keep it. See if they’re willing to / able to make an exception. If not just cancel it. Say you don’t like how you’re treated and don’t want to be a customer. Chances are they can’t make an exception to the rule. So either way you’re going to have to re apply.

You did not earn the bonus miles. So you can cancel it now and just re apply.

This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.
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Old Oct 25, 17, 6:23 pm
  #1192
 
Join Date: Apr 2007
Posts: 1,554
I'm a little behind on this, so forgive the stupid question. We don't have any recent datapoints that disprove the wiki on targeted mailers bypassing 5/24, right? I got a targeted UA mailer based on a recent booking made with points, but as far as I can tell, it's still a no-go for my 18/24 self.

I'm trying to track this info down myself, but it's spread across so many different threads. Sorry to seem lazy.

Also, there are no Chase branches within 300 miles of me, so there's no popping in to see if I'm pre-approved for a card.
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Old Oct 25, 17, 7:03 pm
  #1193
 
Join Date: Aug 2007
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Originally Posted by bobert24 View Post
I'm a little behind on this, so forgive the stupid question. We don't have any recent datapoints that disprove the wiki on targeted mailers bypassing 5/24, right? I got a targeted UA mailer based on a recent booking made with points, but as far as I can tell, it's still a no-go for my 18/24 self.

I'm trying to track this info down myself, but it's spread across so many different threads. Sorry to seem lazy.

Also, there are no Chase branches within 300 miles of me, so there's no popping in to see if I'm pre-approved for a card.
General consensus seems to be that targeted mailers do not bypass 5/24. Basing this upon countless discussions on another forum.
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Old Oct 26, 17, 2:07 am
  #1194
 
Join Date: Aug 2010
Posts: 71
Originally Posted by Microwave View Post
I screwed up pretty good and signed up for the Chase United MileagePlus Explorer card and missed the 3 month window to spend $3k by about 3 weeks. I contacted Chase by private message and asked if I could get a short extension, and was told to find a fencepole to sit on.

My questions are:

  • Is it even worth calling Chase and asking again?
    • I could meet the minimum very quickly, I've just had a million things going on and this was way down my priority list.
  • If there's no way to extend, how quickly could I churn the card and reapply?
    • I don't actually play the credit card game—I only got this card as I switched my flying from AA to UA so needed a United credit card. I actually intended to keep it long term, but I'm certainly not going to do that without getting a bonus of some sort so I'm willing to do a bit of dancing if I need to.

Thanks in advance for your advice.
Unfortunate situation -- I'd give Chase a call to verify the min spend date. It's almost always 115 days, not exactly three months, to account for variations and such.

Worst comes to worst, I'd hold on to the card for a year and consider downgrading it to the no AF version. You'd be eligible for the sign up bonus every 24 months, so can time your new MPE app for past that date
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Old Oct 26, 17, 9:03 am
  #1195
 
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Originally Posted by prech View Post
Worst comes to worst, I'd hold on to the card for a year and consider downgrading it to the no AF version. You'd be eligible for the sign up bonus every 24 months, so can time your new MPE app for past that date
Maybe I'm missing something here, but I thought the 24 month restriction was from getting a specific bonus. Since the OP has not gotten any bonus, there should be no 24 month restriction. 5/24 may apply, but not 24 months. Assuming no 5/24 problem, the OP should be able to close the card, wait a month or so, and reapply. Right?
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Old Oct 26, 17, 9:18 am
  #1196
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Originally Posted by RobertHanson View Post
Maybe I'm missing something here, but I thought the 24 month restriction was from getting a specific bonus. Since the OP has not gotten any bonus, there should be no 24 month restriction. 5/24 may apply, but not 24 months. Assuming no 5/24 problem, the OP should be able to close the card, wait a month or so, and reapply. Right?
I think so. If he doesn't get the bonus and is still under 5/24, it should work.
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Old Oct 26, 17, 10:34 am
  #1197
 
Join Date: Aug 2010
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Originally Posted by RobertHanson View Post
Maybe I'm missing something here, but I thought the 24 month restriction was from getting a specific bonus. Since the OP has not gotten any bonus, there should be no 24 month restriction. 5/24 may apply, but not 24 months. Assuming no 5/24 problem, the OP should be able to close the card, wait a month or so, and reapply. Right?
Yes! That’s what I’ve been saying in 1191...
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Old Oct 27, 17, 2:09 am
  #1198
 
Join Date: Aug 2010
Posts: 71
Originally Posted by RobertHanson View Post
Maybe I'm missing something here, but I thought the 24 month restriction was from getting a specific bonus. Since the OP has not gotten any bonus, there should be no 24 month restriction. 5/24 may apply, but not 24 months. Assuming no 5/24 problem, the OP should be able to close the card, wait a month or so, and reapply. Right?
Yup, agreed, 24 months since the last MPE bonus, so if the poster never did previously own the card or receive a bonus, sure thing, go for it.

At the same time, my thinking is, the card's already opened and, depending on the offer, first year AF already paid, so might as well hold on to it to extend AAoA and not waste the credit age nor hard pull

Again, all worst case. I'd see if still within the 115 days
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Old Oct 27, 17, 7:05 pm
  #1199
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Originally Posted by prech View Post
At the same time, my thinking is, the card's already opened and, depending on the offer, first year AF already paid, so might as well hold on to it to extend AAoA and not waste the credit age nor hard pull
Except that the terms also say that you cannot get a bonus if you currently have the card. So the card has to be cancelled before you can apply again to try to get the bonus.

Meanwhile, cancelling the card "early" has negligible effect on credit for someone with "deep" credit history. I cancel cards after a few months all the time, but because I also have several cards that I've kept open for decades, it matter little (a point here, a point there, who cares?).

And one extra credit pull also does not hurt most people with "deep" credit history who aren't churners. (And anyone who's a much of a recent churner is not likely to be able to apply for an MPE card!)
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Old Oct 28, 17, 6:58 am
  #1200
 
Join Date: Sep 2011
Posts: 472
Originally Posted by DaveInLA View Post
My wife applied and was approved for 2 Southwest personal cards (Plus and Premier) on 10/1. Statement date isn't announced yet but next payment is on 11/26. Chase seems to post statement 3 days after due date. I'm aiming for the Companion Pass in early January, so I'm trying to figure out when to complete spending requirements. It has to be within 90 days (I don't want to risk the 120 days other people are reporting), which willgive me until 12/30. I could complete the spend requirement on 12/29 (which will probably be statement date), but I worry that the points may not post automatically if transaction finalizes after 12/30. If I make the purchase too early, then I risk having the Pliny's post in late December. I've never called Chase to change statement date-- do I need to wait for first statement to close before I call?
Chase runs on 28 day months. So, if your due date is the 26th, the statement date will be the 1st of each month. Theoretically, you can meet the spending requirement any time after Dec 2 and the bonus points won't post until after Jan 1... theoretically.
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