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Applying for Chase PERSONAL Cards (2020 - 2022)

Applying for Chase PERSONAL Cards (2020 - 2022)

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Old Jun 7, 22, 11:49 pm   -   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.
All Chase issued cards are here: https://creditcards.chase.com/sitemap

To review the previous version of this thread, with posts from 2017, 2018 and 2019 click: HERE.

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/

In November 2018, Chase seems to have possibly expanded 5/24 to more cards, possibly including some mentioned above. See this link:]https://www.doctorofcredit.com/has-c...-have-no-idea/

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.

In spring 2022, Chase imposed a similar restriction on its personal IHG cards, Premier and Traveler. Going forward, receiving a signup bonus in the past 24 months on (or currently holding) either card will bar applicants from obtaining a new Premier or Traveler card/bonus.

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 and IHG personal cards, the collective 48-month (Sapphire) or 24-month (IHG) 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.


Yes, you should feel free to do so if inclined. There's no harm in calling for personal card applications. It may speed up the process and you can also request expedited shipping of the card upon approval. All of the above crossed out comments are specific to business card applications.

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
(888) 270-2127 – General Application Status Line, automated
(888) 609-7805 – Alternative Personal Reconsideration line with live rep
(800) 243-6010 - Business Credit Card Application Status Line, automated
(800) 453-9719 – Business Credit Card Reconsideration and Credit Reallocation Line with live rep
(800) 955-9900 – General Card Services and Application status, automated
(888) 298-5623 – Credit Reallocation Office (Personal cards)
(800) 242-7399 – 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 Feb 21, 22, 5:18 pm
  #766  
 
Join Date: Feb 2020
Posts: 68
chase 5/24

I have applied 5 cards in the last 24 months and I can find all 5 card in the credit report. However from the same credit report, there was no inquiry of my american express card at the end 2020. So there are 4 inquiries. If I want to apply for IHG premium since I do have the old select card, will I be rejected based on 5/24 rule?
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Old Feb 21, 22, 5:52 pm
  #767  
 
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Originally Posted by ou5603 View Post
I have applied 5 cards in the last 24 months and I can find all 5 card in the credit report. However from the same credit report, there was no inquiry of my american express card at the end 2020. So there are 4 inquiries. If I want to apply for IHG premium since I do have the old select card, will I be rejected based on 5/24 rule?

The issue here is not the number of inquiries but the number of revolving tradelines under 25 months of age. This you fail the 5/24 rule but of course all things are YMMV. If you are declined you could always ask for reconsideration, especially if you have a long banking history with chase. good luck!
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Old Feb 23, 22, 8:52 am
  #768  
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Originally Posted by ou5603 View Post
I have applied 5 cards in the last 24 months and I can find all 5 card in the credit report.
If you are in violation of 5/24 and apply for a card subject to that rule, you will get a hard-pull on your credit report and no credit card.
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Old Feb 23, 22, 9:56 pm
  #769  
 
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My new Chase card arrived the other day. No indication how to activate card. Have used card for purchases. But card not showing up in online account with other Chase cards. How do I add it? Sent an SM to Chase but no word so far.
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Old Feb 24, 22, 10:26 am
  #770  
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Originally Posted by Stgermainparis View Post
My new Chase card... not showing up in online account with other Chase cards.
That's very odd. Are you positively absolutely certain it's not there somewhere? You cannot be mistaking it for another card? Do you have so many cards that the new one scrolled off? Have you tried accessing your account using another browser? How about the mobile phone app?
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Old Feb 24, 22, 9:25 pm
  #771  
 
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Originally Posted by RNE View Post
If you are in violation of 5/24 and apply for a card subject to that rule, you will get a hard-pull on your credit report and no credit card.
good point and that was my major concern. I will just stay put, not worth of the risk.
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Old Feb 25, 22, 3:11 am
  #772  
 
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Originally Posted by RNE View Post
That's very odd. Are you positively absolutely certain it's not there somewhere? You cannot be mistaking it for another card? Do you have so many cards that the new one scrolled off? Have you tried accessing your account using another browser? How about the mobile phone app?
I finally called. They were able to add the card, but I couldn’t understand the reason given for its absence (strong accent of agent). And no it didn’t scroll off and I did check in difference devices. It was all very weird. At least fixed now.
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Old Feb 25, 22, 10:47 am
  #773  
 
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I have a new UA card and have a question about the SUB. I've got 3 months to spend $4k, which is not a problem. But I was about to use the card to book a hotel room that's $1k that I may end up canceling in July. As long as I've spent an additional 1k+ by the time I got that 1k refund, am I good? I know I need to keep it over 4k to be safe, but just trying to figure out if it matters that the refund would be for something in the first 3 months (even though I eventually spent another 1k). Hope this makes sense.
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Old Feb 27, 22, 10:35 am
  #774  
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Originally Posted by Stgermainparis View Post
I have a new UA card and have a question about the SUB. I've got 3 months to spend $4k, which is not a problem. But I was about to use the card to book a hotel room that's $1k that I may end up canceling in July. As long as I've spent an additional 1k+ by the time I got that 1k refund, am I good? I know I need to keep it over 4k to be safe, but just trying to figure out if it matters that the refund would be for something in the first 3 months (even though I eventually spent another 1k). Hope this makes sense.
The best advice in a situation like is to "show good faith". Ie, do the extra 1k spend as soon as you can, but yes, of course, hopefully no later than the refund might happen.

Since this is what seems to be recommended to everyone on FT who asks, but we don't typically get datapoints about whether people followed that advice (and later reports of what did and didn't happen), all we can say is presumably most people do that, and presumably that's why we don't have constant reports of SUBs getting clawed back because of refunds. So presumably "good faith" efforts work well enough.
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Old Feb 27, 22, 11:52 am
  #775  
 
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Originally Posted by sdsearch View Post
The best advice in a situation like is to "show good faith". Ie, do the extra 1k spend as soon as you can, but yes, of course, hopefully no later than the refund might happen.

Since this is what seems to be recommended to everyone on FT who asks, but we don't typically get datapoints about whether people followed that advice (and later reports of what did and didn't happen), all we can say is presumably most people do that, and presumably that's why we don't have constant reports of SUBs getting clawed back because of refunds. So presumably "good faith" efforts work well enough.
Gotcha. And yes, I would spend more than the amount potentially refunded (and probably will even do that within the 3 months for the SUB). Just was curious if there were any datapoints. Sounds like there is not. If I end up with refund situation, I'll report back if any issues!
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Old Feb 28, 22, 11:27 am
  #776  
 
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Originally Posted by muanick View Post
Just did a MDD with CSP and CSR this week. CSP auto approved 2/8, and applied for CSR next morning. Was fully expecting to have to call in and move credit lines around as the $10,000 minimum CL for Visa Infinite would put me over 50% CL to the income I reported on application (the common conception is that 50% is the maximum they will approve for). But to my surprise, instant approval with said $10,000 CL. Currently sitting at like 62% CL to income.

I started a new job in the middle last year so income on W2 is very low, and they never asked for pay stubs. So... not sure what metrics they use. Honor system?
So a (kinda?) update on my MDD. I called in to expedite shipping of my CSP right after approval and received in the next couple days. Didn't call in to expedite CSR as everyone says it's expedited automatically. Well, CSR never arrived after like 10ish business days so I assumed lost in the mail, or delivered to wrong address. As I was going out of town I ordered a replacement card through the app. When I got back in town card had arrived, but I never tried to use it until last night (for GoPuff credit). Well card could not be added to the app, so I logged in to Chase account and CSR was no longer showing up. So I called the automated card services line and entered last 4 numbers, card not found. Entered last 4 of original card (never arrived) card not found. Entered full 16 of the replacement card and... "Your card is closed" followed by various options to make payments or speak to representative.

Got a representative on the line and played dumb, didn't mention that I knew that the card had been closed, just said that I couldn't see my card in my online account anymore. Long story short, she was able to reopen the account very easily, and CSR is now showing up in account like normal. The reason for closure was the "the card was returned and the account was closed automatically when this happens" and it seems the only reason my account was closed was because the physical card itself was returned to Chase for some reason. I searched around online and couldn't find any instances of this happening.

I have read DP's of second accounts being closed by Chase when doing MDD but the rep never noticed or mentioned anything about my CSP, so I don't think that was a factor in this situation, it was just a coincidence. USPS Informed Delivery said there was a priority mail envelope delivered around the time the first CSR should have arrived but I never got it. Said it was delivered to "Front Desk/Reception/Mail Room"... I live in a house with no such facilities. So my leading theory is that CSR was delivered to wrong address and returned to Chase and apparently this results in account closure.
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Old Mar 1, 22, 3:03 pm
  #777  
 
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Here's something:
I just checked my Equifax report to double check my 5/24 status, as I'm about to apply for a CSP after canceling my CSR last month. Someone upthread said that you get a hard inquiry only if you're outside of 5/24. Well, my last application was for a Freedom Flex in July, and it resulted in a hard inquiry. There is nothing on my report that should call for that--credit score over 800, etc.

I'm sure there is some obscure reason for it, but for those looking to avoid these "hard pulls," you might keep that in mind. It's the only hard pull on my record right now.
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Old Mar 1, 22, 5:48 pm
  #778  
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Originally Posted by hotturnip View Post
.... Someone upthread said that you get a hard inquiry only if you're outside of 5/24. ....
I think there is a misunderstanding. Can you link to the post?
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Old Mar 2, 22, 7:40 am
  #779  
RNE
 
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Originally Posted by hotturnip View Post
Someone upthread said that you get a hard inquiry only if you're outside of 5/24.
Without pulling your credit report, how can Chase know how many accounts you've opened at all banks in the last 24 months?
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Old Mar 2, 22, 7:44 am
  #780  
 
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Originally Posted by hotturnip View Post
...Someone upthread said that you get a hard inquiry only if you're outside of 5/24...
You either misunderstood what someone wrote upthread or whatever someone wrote was incorrect. Chase always pulls your credit when you apply.
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