Last edit by: StartinSanDiego
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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
#286
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 2,272
I wouldn't do that as Chase reps might take a dim view of that if you ever have to recon a card in the future. Doing so with one or two cards probably won't make much difference but you wouldn't want them to see a pattern of that. There is really no reason to do so (unlike with citi where the bonus clock gets reset when you close so you are almost encouraged to either hold the card or close it as soon as feasible). Even with the AF cards its worth holding on to them for at least the first year, since you either already paid the AF or you are getting the perks for free on a card with the AF waived. I personally like to try to PC chase cards to non-AF fee versions where possible in order to keep a long history running with chase.
#287
Join Date: Feb 2010
Posts: 49
Best way to check on my 5/24 current status
My apologies if this has already been covered, but I have gleaned this subject for some time and don't see any discussion. Is it simply a matter of requesting your credit history to learn where I am with regard to the Chase 5/24 rule? Believe it or not, I never have done this, mostly because I know I have stellar credit and don't need to borrow any money, etc. Is this information on ALL credit reports or do you have to request it? Will Chase give it to you over the phone?
Thanks!
Thanks!
#288
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Major card issuers and other lenders report all personal accounts to all three consumer credit bureaus. Most lenders do not report business accounts. This means that a report from any of the bureaus should show the same accounts, and the same opening dates, but they may not be equally easy to read.
I have an Experian app on my phone. If I click the Green Icon titled Revolving Accounts and choose to sort Date Opened (new to old) I can easily scroll back to, say, 2014 to see the accounts that I opened in 2015 and 2016. I do not know if other bureau apps or websites have a similar facility.
I have an Experian app on my phone. If I click the Green Icon titled Revolving Accounts and choose to sort Date Opened (new to old) I can easily scroll back to, say, 2014 to see the accounts that I opened in 2015 and 2016. I do not know if other bureau apps or websites have a similar facility.
#289
Join Date: Oct 2011
Location: North Carolina
Posts: 613
My apologies if this has already been covered, but I have gleaned this subject for some time and don't see any discussion. Is it simply a matter of requesting your credit history to learn where I am with regard to the Chase 5/24 rule? Believe it or not, I never have done this, mostly because I know I have stellar credit and don't need to borrow any money, etc. Is this information on ALL credit reports or do you have to request it? Will Chase give it to you over the phone?
Thanks!
Thanks!
#290
Join Date: Mar 2015
Posts: 173
Data Point
I applied for the Chase Ink Preferred and was denied due to "Too many credit cards opened in the last two years associated with you", aka, the 5/24 rule.
However, while the number of new personal credit cards I had received over the last 2 years was in fact 5, one of them was as an authorized user only. In addition, I had applied and received the Chase Ink Business in the last 2 years, as well.
When I called the recon line, they promptly excluded the AU in their calculations and acknowledged that I had in fact opened the Chase Ink Business card within the last 2 years (which didn't seem to factor into the 5/24 rule/decision).
After a few questions, the Chase rep seemed satisfied and the app was approved. CIP is on its way.
Credit Score: Excellent
However, while the number of new personal credit cards I had received over the last 2 years was in fact 5, one of them was as an authorized user only. In addition, I had applied and received the Chase Ink Business in the last 2 years, as well.
When I called the recon line, they promptly excluded the AU in their calculations and acknowledged that I had in fact opened the Chase Ink Business card within the last 2 years (which didn't seem to factor into the 5/24 rule/decision).
After a few questions, the Chase rep seemed satisfied and the app was approved. CIP is on its way.
Credit Score: Excellent
Last edited by briancw80; Feb 21, 2017 at 1:55 pm
#291
Join Date: Aug 2012
Posts: 78
Data points on applying right after 2 year mark?
I've seen a few posts saying they've had luck applying the month following falling under 5/24. Haven't seen any posts about people who have applied right after the fall below during the same calendar month. Assuming my Ink doesn't count, I drop to 4/24 on Thursday and 3/24 on Friday. I have several thousand dollars of deposits to make on March 1 so would really love to get CSR this month.
Credit Score over 800 so not worried on that front. Any data on denials during the month when you fall under? (I'll be applying in branch if that matters).
Credit Score over 800 so not worried on that front. Any data on denials during the month when you fall under? (I'll be applying in branch if that matters).
#292
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
I've seen a few posts saying they've had luck applying the month following falling under 5/24. Haven't seen any posts about people who have applied right after the fall below during the same calendar month. Assuming my Ink doesn't count, I drop to 4/24 on Thursday and 3/24 on Friday. I have several thousand dollars of deposits to make on March 1 so would really love to get CSR this month.
Credit Score over 800 so not worried on that front. Any data on denials during the month when you fall under? (I'll be applying in branch if that matters).
Credit Score over 800 so not worried on that front. Any data on denials during the month when you fall under? (I'll be applying in branch if that matters).
Last edited by jjmiller69; Feb 21, 2017 at 8:23 pm
#293
Join Date: Sep 2005
Programs: Northwest, United
Posts: 3,256
I've seen a few posts saying they've had luck applying the month following falling under 5/24. Haven't seen any posts about people who have applied right after the fall below during the same calendar month. Assuming my Ink doesn't count, I drop to 4/24 on Thursday and 3/24 on Friday. I have several thousand dollars of deposits to make on March 1 so would really love to get CSR this month.
Credit Score over 800 so not worried on that front. Any data on denials during the month when you fall under? (I'll be applying in branch if that matters).
Credit Score over 800 so not worried on that front. Any data on denials during the month when you fall under? (I'll be applying in branch if that matters).
#294
Join Date: Feb 2017
Programs: Amex Blue Citi Double Chase Freedom
Posts: 10
Will we see another 100k points reward soon?
I'm asking because since I'm still new to this game and won't be doing much traveling this year I wanted to hold off on getting the CSR until a later date. I know the points don't expire and I could hit the spend minimum to get the bonus when/if I apply in person at a branch. However, I wouldn't be able to justify the AF this year given my extreme lack of travel planning, exacerbating the issue would be paying the AF twice before doing what traveling I am planning on doing next summer.
I'm going to be getting the CSP soon and thinking about getting the Freedom as well and just utilizing the 5% windows. I'd like to get Chase cards first so I don't run into the 5/24 rule and not be able to take advantage of their signups.
I'm going to be getting the CSP soon and thinking about getting the Freedom as well and just utilizing the 5% windows. I'd like to get Chase cards first so I don't run into the 5/24 rule and not be able to take advantage of their signups.
#295
FlyerTalk Evangelist
Join Date: Jul 2008
Location: IAH
Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
Posts: 12,787
It's anybody's guess if the 100k public offer will come back. If I had to guess, I'd say that it won't come back as a public offer and would be targeted.
100k points offers, if they're public to begin with seem to never come back (or at least not in a couple years) at least in the few years I've been active in this hobby. Perfect example is the Citi AA Executive card with a 100k AA mile bonus. https://thepointsguy.com/2014/07/cit...-going-strong/ That offer hasn't been seen again...
What travel are you planning for next summer that you'd need the CSR for? Personally I'd jump on the 100k bonus before it goes away (and did, I got the CSR the first week or two it existed)
100k points offers, if they're public to begin with seem to never come back (or at least not in a couple years) at least in the few years I've been active in this hobby. Perfect example is the Citi AA Executive card with a 100k AA mile bonus. https://thepointsguy.com/2014/07/cit...-going-strong/ That offer hasn't been seen again...
What travel are you planning for next summer that you'd need the CSR for? Personally I'd jump on the 100k bonus before it goes away (and did, I got the CSR the first week or two it existed)
#296
Join Date: Jun 2014
Programs: 747 Upper Deck QF J LAX-BNE; A380 SQ SuiteC+D SYD-SIN & SIN-HKG; 777 CX F HKG-JFK; Park Hyatt Sydney
Posts: 513
Still No 5/24 on Marriott Business Cards
I was approved last night for the Marriott Business card. My Experian report shows 23 or 24/24 depending on whether Feb '16 counts or not.
I was not instantly approved when I applied at about 11pm, and the email I received shortly thereafter said they may need as many as 30 days for further review. But the new account showed up online this morning.
I was not instantly approved when I applied at about 11pm, and the email I received shortly thereafter said they may need as many as 30 days for further review. But the new account showed up online this morning.
Last edited by Ed Janowsky; Feb 22, 2017 at 9:07 am
#298
Join Date: May 2009
Location: South Park, CO
Programs: Tegridy Elite
Posts: 5,678
I'm asking because since I'm still new to this game and won't be doing much traveling this year I wanted to hold off on getting the CSR until a later date. I know the points don't expire and I could hit the spend minimum to get the bonus when/if I apply in person at a branch. However, I wouldn't be able to justify the AF this year given my extreme lack of travel planning, exacerbating the issue would be paying the AF twice before doing what traveling I am planning on doing next summer.
I'm going to be getting the CSP soon and thinking about getting the Freedom as well and just utilizing the 5% windows. I'd like to get Chase cards first so I don't run into the 5/24 rule and not be able to take advantage of their signups.
I'm going to be getting the CSP soon and thinking about getting the Freedom as well and just utilizing the 5% windows. I'd like to get Chase cards first so I don't run into the 5/24 rule and not be able to take advantage of their signups.
If your first opportunity to travel is next summer (assuming you mean 2018) then you'd have booking windows opening up long before that time which might leave you plenty of time to utilize not only the points but the travel credits for 2017 and 2018.
You know your plans and everything best so if a card doesn't fit for you, don't feel obligated to do so just because an offer is winding down. But on the other hand with a great offer it can sometimes be beneficial to really think through if you could make use of it or not before passing it up.
#299
Join Date: Oct 2013
Location: SFO
Programs: UA 1K, AA EXP, Hyatt Glob, Hilton Diamond, Marriott Plat, Total Wine & More Reserve
Posts: 4,497
Card Conversion Counts Toward 5/24?
Sorry if this has been answered before, but couldn't find a similar example in previous posts...
Would non-Chase card conversions count as a new account towards 5/24?
(for example, Citi-initiated conversion of AA Plat Visa to AA Plat MC)
Would non-Chase card conversions count as a new account towards 5/24?
(for example, Citi-initiated conversion of AA Plat Visa to AA Plat MC)
#300
Join Date: Feb 2003
Location: On strike
Posts: 8,135
These events are not going to be reported to the credit agencies and thus don't appear on your credit report. So, no.