Old Jan 19, 2017, 8:44 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: StartinSanDiego
Please read this Wiki before posting questions in the thread.

Do not post offers or requests for referral links in this thread! The proper thread for referral offers is here.
All Chase issued cards are here: https://creditcards.chase.com/sitemap

This thread--a continuation of previous discussions through May 2015 and December 2016--focuses on general Chase policies & practices for new applications. For information on specific Chase cards and their bonuses/terms/benefits, see the following threads and their associated wikis: Table of Contents
  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:
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:

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].

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:
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.
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:
  • 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.
  • 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?
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.
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Applying for Chase Credit Cards, 2017-2019

Old Jun 12, 2017, 8:39 am
  #766  
 
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Originally Posted by RobertHanson
You probably know, but since you didn't mention it I will: S/W cards are all 5/24 cards.
If I only count personal cards, I just dropped to 4/24 on June 2. How many people have had success applying for the SW Business then the SW Personal when starting at 4/24?

My own data points indicate that my Chase Biz cards aren't being counted. I was def at 5/24 on personal and 6/24 counting Chase Biz cards when I applied for my United Biz card a couple months back. It did go pending, then got denied, after which I lowered my credit lines on other cards and called recon and was approved while already at 5/24.

But since this was another Biz card, I don't think it increased my 5/24 count and another personal card has since rolled off. So it seems I should be considered 4/24 and good to go.

Also, what should I go for to maximize bonus offers (current extra bonuses compared to normal) for future vacations:

SW Biz and/or Personal
Hyatt
United Personal
Marriott Biz or Personal

(I'm waiting on Sapphire Preferred until I cancel my Reserve card to avoid the AF next Jan.)

Also are the AFs on any of these still waived in branch?
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Old Jun 12, 2017, 12:45 pm
  #767  
 
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Originally Posted by ymarker
The guy in the branch was rather rude and disinterested and didn't seem as excited (or interested) as we were, obviously. I imagine they are just standard chase inbranch offers. He did say it included CSR, CSP, Freedom, FU, and slate. A bunch of new accounts fall off in January/Feb 2018 such that she should be 0/24 on March 1. The three cards I would like her to get next year - 2x SW (for CP) and Chase Ink 80k if still around. Any others would be gravy but not really needed. I have CSR + CSP. She got the CSP bonus > 24 months ago and downgraded to Freedom. Any thoughts on FNBO travelite? The fact that it is no longer going to be attainable (particularly the $100 air credit/yr w/o AF), just seems to make it more attractive
FYI I went online for the FNBO card and applied. About a 30 second wait and approved. Card should be here in 7-10 days. Good luck
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Old Jun 12, 2017, 1:51 pm
  #768  
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Originally Posted by bbriscoe34
If I only count personal cards, I just dropped to 4/24 on June 2. How many people have had success applying for the SW Business then the SW Personal when starting at 4/24?

My own data points indicate that my Chase Biz cards aren't being counted. I was def at 5/24 on personal and 6/24 counting Chase Biz cards when I applied for my United Biz card a couple months back. It did go pending, then got denied, after which I lowered my credit lines on other cards and called recon and was approved while already at 5/24.

But since this was another Biz card, I don't think it increased my 5/24 count and another personal card has since rolled off. So it seems I should be considered 4/24 and good to go.

Also, what should I go for to maximize bonus offers (current extra bonuses compared to normal) for future vacations:

SW Biz and/or Personal
Hyatt
United Personal
Marriott Biz or Personal

(I'm waiting on Sapphire Preferred until I cancel my Reserve card to avoid the AF next Jan.)

Also are the AFs on any of these still waived in branch?
Why the "if I only count personal cards"? With various free ways to check your credit report, you should simply count how many bank cards on your credit report show an "opened on" date in the past 24 months (since that's what Chase does), and not try to estimate it.

I'd have much more faith in your "biz cards don't count" analysis if you had verified on your credit report that your N/24 count was indeed accurate (either at the time of the United Biz app, or at least now).

Keep in mind there are other things that can keep cards from showing on credit report besides being business cards. For example, a new card that was just opened may take a month or more to show up on your credit report, which means that if you opened another card soon before you applied for your United Biz then Chase may have seen a different count on your credit report than your estimate calculated.

Meanwhile, Cap One business credit cards do count, since they show up on credit reports.

So that's why the best way to determine your N/24 count is to actually look at your credit report, not to guess based on supposed rules you think you know (but which may not be 100% accurate, such as your apparent assumption that "everything other than business cards counts").
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Old Jun 12, 2017, 2:09 pm
  #769  
 
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Originally Posted by sdsearch
Why the "if I only count personal cards"? With various free ways to check your credit report, you should simply count how many bank cards on your credit report show an "opened on" date in the past 24 months (since that's what Chase does), and not try to estimate it.

I'd have much more faith in your "biz cards don't count" analysis if you had verified on your credit report that your N/24 count was indeed accurate (either at the time of the United Biz app, or at least now).

Keep in mind there are other things that can keep cards from showing on credit report besides being business cards. For example, a new card that was just opened may take a month or more to show up on your credit report, which means that if you opened another card soon before you applied for your United Biz then Chase may have seen a different count on your credit report than your estimate calculated.

Meanwhile, Cap One business credit cards do count, since they show up on credit reports.

So that's why the best way to determine your N/24 count is to actually look at your credit report, not to guess based on supposed rules you think you know (but which may not be 100% accurate, such as your apparent assumption that "everything other than business cards counts").
I did pull my CR on Credit karma in April before the United appl and it showed 5/24, then again this month and its down to 4/24. I also keep a spreadsheet showing all my appl/open/bonus/close dates on all accts and I update it regularly from my CR, and I have a days tracker on all accts that apply to 5/24 showing how long before it rolls off.

I just mentioned the "personal" 5/24 because I also have 2 Chase Biz cards that some people think are included in the 5/24 counts. Ink was opened in Dec and United Biz opened most recently in April.

All of which means that my CR said I was at 5/24 when I applied in April, but if Chase counted previous Business cards, then they would see me as 6/24. Yet I was eventually approved after denial, CL realloc, and recon.

So on the surface this strongly indicates that Biz cards don't count, bc even though some people get approved at exactly 5/24, no one should be approved at 6/24 (if the Ink card was counted) even after recon. And now I have a 2nd Chase Biz card.

For those who have applied for Chase Biz cards first to stay under 5/24, what is the most Biz cards they have approved you for while others are still open?
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Old Jun 12, 2017, 7:52 pm
  #770  
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Originally Posted by bbriscoe34
this strongly indicates that Biz cards don't count, bc even though some people get approved at exactly 5/24, no one should be approved at 6/24 (if the Ink card was counted) even after recon.
Thanks for all the detail. I just added your latest post to the wiki, in the section providing evidence of Chase business cards not counting.
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Old Jun 12, 2017, 8:28 pm
  #771  
 
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Incase anyone was wondering - DW ended up applying and getting approved via in-branch pre-approval for the CSP. She is over 5/24 and was waiting till March 2018 when she would be 0/24. Now she will be 1/24 at that time and we should still be able to get swa x2 to keep our swa cp.
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Old Jun 13, 2017, 7:28 am
  #772  
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Denied for the United MP Explorer Card for being at 6/24

Have gotten a ton of mail and targeted ads from UA for this card with the 70k + $50 statement credit sign-up bonus only to be denied - maybe Chase should clue United in so they don't waste their money on the targeted ads and mailers for people who aren't eligible due to 5/24

No branches near me so can't try that route though it's fine. Will pursue other options instead.
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Old Jun 13, 2017, 8:32 am
  #773  
 
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Originally Posted by ymarker
Incase anyone was wondering - DW ended up applying and getting approved via in-branch pre-approval for the CSP. She is over 5/24 and was waiting till March 2018 when she would be 0/24. Now she will be 1/24 at that time and we should still be able to get swa x2 to keep our swa cp.
Does she have any accounts with Chase?

Or I guess a better question is, do you need a banking relationship with Chase to go to a branch and check for pre-approvals?
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Old Jun 13, 2017, 3:39 pm
  #774  
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Applied for an Ink Cash for a new business and got the 30-day message.

I have three other Chase cards (legacy UA VI Signature Platinum Class, MP Explorer, and Chase Freedom). I had been considering moving the CL from the Explorer to another card and then closing it, and then downgrading the legacy UA card (one of my oldest accounts), but I had read elsewhere that Chase does a hard pull when you call to ask about moving CL around, and so I was originally going to wait to do that until after getting approved for the Ink Cash (to avoid the hard pull affecting anything).

So now that I'm in 30-day limbo, should I go ahead and proactively take care of the changes (thus lowering the number of open cards I have with Chase and probably lowering my overall CL as well), which might either make the analyst approve my card or help me if I do have to call reconsideration later, or should I leave things be for now (and maybe use those as negotiating tools if I have to call reconsideration later)?

Definitely not subject to 5/24 (I think I might have one new card in the last 2 years? Two at most), but the fact it's a new business might be making them slightly suspicious. (Yes, I applied with my real EIN [and then my personal SSN on the subsequent page], and I can supply sales tax certificates and all that if they end up asking.)

Oh, one other thing--I do have LifeLock and typically get a phone call almost within minutes of an inquiry. No phone calls from them yet, and it's been about an hour since I applied. So either LL is being slow or Chase hasn't yet run my credit.

Last edited by jackal; Jun 13, 2017 at 3:49 pm
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Old Jun 14, 2017, 9:15 am
  #775  
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Originally Posted by jackal
Applied for an Ink Cash for a new business and got the 30-day message.

I have three other Chase cards (legacy UA VI Signature Platinum Class, MP Explorer, and Chase Freedom). I had been considering moving the CL from the Explorer to another card and then closing it, and then downgrading the legacy UA card (one of my oldest accounts), but I had read elsewhere that Chase does a hard pull when you call to ask about moving CL around, and so I was originally going to wait to do that until after getting approved for the Ink Cash (to avoid the hard pull affecting anything).

So now that I'm in 30-day limbo, should I go ahead and proactively take care of the changes (thus lowering the number of open cards I have with Chase and probably lowering my overall CL as well), which might either make the analyst approve my card or help me if I do have to call reconsideration later, or should I leave things be for now (and maybe use those as negotiating tools if I have to call reconsideration later)?

Definitely not subject to 5/24 (I think I might have one new card in the last 2 years? Two at most), but the fact it's a new business might be making them slightly suspicious. (Yes, I applied with my real EIN [and then my personal SSN on the subsequent page], and I can supply sales tax certificates and all that if they end up asking.)

Oh, one other thing--I do have LifeLock and typically get a phone call almost within minutes of an inquiry. No phone calls from them yet, and it's been about an hour since I applied. So either LL is being slow or Chase hasn't yet run my credit.
Do not make any changes.

Business cards don't show on your cr. report so LifeLock won't see it.

Personally, I'd call them today and ask what questions they have and then, if not approved, offer to move some of your CL around or lastly, offer to close a card.
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Old Jun 14, 2017, 9:20 am
  #776  
mia
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Originally Posted by philemer
Business cards don't show on your cr. report so LifeLock won't see it.
I don't know exactly what Lifelock does, but there will be a personal credit inquiry, even though the resulting account will not be reported.
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Old Jun 14, 2017, 10:25 am
  #777  
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Originally Posted by mia
I don't know exactly what Lifelock does, but there will be a personal credit inquiry, even though the resulting account will not be reported.
I don't see any inquiries on my cr. report when applying for a biz card.
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Old Jun 14, 2017, 10:43 am
  #778  
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Originally Posted by mia
I don't know exactly what Lifelock does, but there will be a personal credit inquiry, even though the resulting account will not be reported.
I did get an alert from LifeLock about an inquiry at about 2am ET, so they either took their time running it or LifeLock was slower than normal.

Originally Posted by philemer
Personally, I'd call them today and ask what questions they have and then, if not approved, offer to move some of your CL around or lastly, offer to close a card.
Even though the common wisdom around here seems to be not to call, especially on business cards?

ETA: just called the automated status line and the message changed from 30 days to 7-10 days.
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Old Jun 14, 2017, 11:57 am
  #779  
 
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Originally Posted by jackal
Applied for an Ink Cash for a new business and got the 30-day message.

.
I got the same thing yesterday on the cash card including the ref # to call in ASAP. I called the auto status line and got the 30 day msg.

I'm at 4/24 on my credit report plus I have 2 other Chase Biz cards they could see if they bothered to look.

Should I call in? Wait? How long do most people actually stay in 30 day status before something happens?
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Old Jun 14, 2017, 5:10 pm
  #780  
 
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Can you refer yourself for a different Business?

I have an Ink+ for Business #1 and I want to get an Ink Preferred for Business #2 . Can I use one of my 20k referrals for myself and get 80k when i open the card? (if it matters, both are REAL business with EINs and Business #2 has had an existing chase SW credit card for the last 3+yrs. )

I know the other option is to go in to a branch and open the card that way to just get 100k but I am trying to open at least one more card the same day and feel like if i do one in branch and one online i might end up with 2 inquiries instead of just one? (maybe this is not true?)

Old cards:
-Freedom (open for 7+ yrs)
-SW Bus Premier (under REAL Business #1 ) that was opened 3-4 yrs ago.

New Opened in Jan 2017: (all applied for on same day with one inquiry)
-CSR
-SW+
-Ink+ (for Business #2 -also a real business with EIN, etc) -these are only cards opened in last 24 so i am either 2/24 or 3/24 depending on whether the Ink+ counts

I need to open a 2nd SW card to get my companion pass, and I also want to open an Ink Preferred (going to do this under existing Business #1 ) & Freedom unlimited on same day to try avoid a 2nd inquiry.

Couple questions:
1) Can you refer yourself for a bonus under a different Business? I want to refer myself from my Ink+ card (Bus #2 ) for the Ink Preferred that i will apply for under Bus #1 . Will i get 20k bonus points?
2) Whats the best App strategy here? I know i am testing the 5/24 by going for the 3rd card, i am hoping that one of the business cards wont count. I NEED the SW card so i will apply for that first obviously, but I am worried that the Ink wont be instantly approved (although since its a business that Chase knows already maybe it will?), and then if i apply for the Freedom and get approved then I will have a hard time getting them to approve the Ink which i want for the UR pts.
3) Should I skip the referral and do the SW online and then go into a branch to do the Ink? will that result in 2 inquiries if i do it on the same day? Should i apply for the Freedom Unlimited in branch then or go back online?
4) should I do all the apps in person at a branch?

I know this is a lot. Thanks in advance for the expertise!

Last edited by philemer; Jun 15, 2017 at 7:20 pm
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