Go Back  FlyerTalk Forums > Miles&Points > Credit, Debit and Prepaid Card Programs > Chase | Ultimate Rewards
Reload this Page >

Applying for Chase PERSONAL Cards (2020 - 2022)

Applying for Chase PERSONAL Cards (2020 - 2022)

    Hide Wikipost
Old Jun 7, 22, 11:49 pm   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: beltway
Wiki Link
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.
Print Wikipost

Old Jun 9, 22, 4:35 am
  #871  
 
Join Date: Dec 2005
Posts: 46
Originally Posted by RNE View Post
You're kidding, right?
No, not kidding. The question was, “What was your major at Blue Mountain State University?” I answered, “I didn’t go there.” Her response was, “That’s the answer I was looking for.”

Now I just did a Google search now and that school is fictional. But of course my heart was racing when she asked those questions as I had to answer fairly quickly.
yowflyer is offline  
Old Jun 9, 22, 5:58 am
  #872  
mia
A FlyerTalk Posting Legend; Moderator: American Express, Citi, Chase, Credit Card Programs, Diners Club, Signatures
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 44,887
Originally Posted by yowflyer View Post
No, not kidding. The question was, ....I answered, “I didn’t go there.”...”
This is a standard identity verification test based on information from public records, mixed with fictional information.
mia is offline  
Old Jun 9, 22, 8:00 am
  #873  
 
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), several others
Posts: 1,742
Originally Posted by yowflyer View Post
... that school is fictional...
It is quite annoying. Kinda like some online “logic” tests. “How much dirt is in a hole that’s 4’ by 6’ and 2’ deep?” Most recently I was asked about associated addresses and one of the choices was where I lived for less than a year over 40 years ago. And of course when asked about professional licenses and trying to expedite the process by answering before they list the choices, “medicine” is not acceptable because they see (and will only accept) “medicine and surgery” .

Apparently fraud, most worrisome for cash transfers between personal checking accounts, is a major frequent problem and the perpetrators are getting more sophisticated. From a layperson’s point of view, in 2022 with voice identification and caller ID verifying the call is coming from an established phone number, “20 questions*” nonsense, be it public records information and/or personal account information (Mom’s maiden name, DOB, address, CCV) isn’t necessary. Although the perpetrators can simulate (calling from) a phone number, don’t think they’ve yet overcome/replicated voice ID.

(* Twenty questions is a spoken parlor game, which encourages deductive reasoning and creativity.)

(None, there’s no dirt in the hole. )

Last edited by Dr Jabadski; Jun 12, 22 at 2:39 pm Reason: typo correction
Dr Jabadski is offline  
Old Jun 9, 22, 9:09 am
  #874  
RNE
 
Join Date: Sep 2005
Location: AKC
Posts: 8,932
Originally Posted by TheDenverGuy View Post
I applied for the Marriott Bonvoy Boundless card on Sunday...
Did you check the Chase online account before calling? If not, you should have.

RNE, just saying.
RNE is offline  
Old Jun 12, 22, 1:05 pm
  #875  
FlyerTalk Evangelist
 
Join Date: Jan 2005
Location: home = LAX
Posts: 25,538
Originally Posted by Dr Jabadski View Post
Yes, Chase has indeed made the “approval notification” process inaccurate and unnecessarily complicated. There are many datapoints of what should be called “modified instant approval”, whereby the last application webpage states something to the effect of “pending further review” but the new account is present online as soon as one can login to their account and a “congratulations” email is received 2 minutes later. Quite annoying .

(Just realized as I wrote this that “modified instant approval” is another phase for which the acronym is “mia” which most commonly is Miami airport but to me is “missing in action” and absolutely should not imply any disrespect to our esteemed moderator . Perhaps a different term is appropriate, maybe (from Chase’s spin doctor point of view) “improved instant approval” or maybe “adjusted instant approval”. )
How about "semi-instant approval" or "quasi-instant approval" or "instant-ish approval"?
Dr Jabadski likes this.
sdsearch is offline  
Old Jun 12, 22, 2:43 pm
  #876  
 
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), several others
Posts: 1,742
Originally Posted by sdsearch View Post
... "quasi-instant approval" or "instant-ish approval"?
Excellent suggestions , the former being more descriptive and having a better acronym .
sdsearch likes this.
Dr Jabadski is offline  
Old Jun 20, 22, 8:31 am
  #877  
 
Join Date: Oct 2009
Location: SNA
Programs: UA 1MM, Global Entry, Avis President's Club
Posts: 274
Chase Presidential Plus to Chase United Club Infinite - SUB?

I need some advice from the experts here. I currently have 2 Chase cards: Sapphire Preferred and the very old Presidential Plus which among other things, provides United Club access. I am interested in dropping the Presidential Plus and moving to the United Club Infinite and getting the sign-up bonus of 100k miles. My question is what is the best way to do this?

Should I just apply for the Infinite through the website, presumably get approved, and then cancel the Presidential Plus card at a later date? Or should I possibly call Chase and request that the Presidential Plus be exchanged for the Infinite? If I go that route, would I still be eligible for the SUB?

I have no concerns with 5/24. I have a couple of other non-Chase cards for a total of maybe 4-5 cards, but I have had all of them for several years. I'm not a churner. TIA for any advice you can offer.
sakaike is offline  
Old Jun 20, 22, 8:40 am
  #878  
RNE
 
Join Date: Sep 2005
Location: AKC
Posts: 8,932
Originally Posted by sakaike View Post
I am interested in dropping the Presidential Plus and moving to the United Club Infinite and getting the sign-up bonus of 100k miles.
You cannot get a SUB unless you sign up. Moving is not signing up.

Should I just apply for the Infinite through the website, presumably get approved, and then cancel the Presidential Plus card at a later date?
Yes.
SPN Lifer likes this.
RNE is offline  
Old Jun 20, 22, 11:30 am
  #879  
 
Join Date: Aug 2002
Posts: 2,209
Any data points on waiting period of closing Marriott Boundless card and reapplying for a new one? Should be eligible as my old Boundless was 9+ years old, 3+ years from getting the Marriott Premier to Boundless upgrade bonus, and 5+ years having my Bonvoy Amex (old SPG card).
cab747 is offline  
Old Jun 23, 22, 12:01 pm
  #880  
FlyerTalk Evangelist
 
Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA 1MM, AS G75k, Bonvoyed Gold, Honors Dia, IHG Plat, ...
Posts: 11,520
Originally Posted by cab747 View Post
Any data points on waiting period of closing Marriott Boundless card and reapplying for a new one? Should be eligible as my old Boundless was 9+ years old, 3+ years from getting the Marriott Premier to Boundless upgrade bonus, and 5+ years having my Bonvoy Amex (old SPG card).
No personal experience, and I would be interested in data points, too. In the Marriott card thread a recent post said:

Originally Posted by philemer View Post
The questions above about "how long to wait" & CL are not specific to Marriott cards. I'd suggest that these questions be asked in the "Applying for Chase Personal Cards" thread. It is a more active thread. And then search that thread for your questions. A 4 day wait is generally long enough after a card closure. Happy Father's Day to all the father's out there.

Since the 5 free nights offer seems to expire 7/21, I am likely going to wait 30 days after my cancellation of the old card (6/13) to be on the safe side unless everyone here thinks that’s totally stupid and unnecessary.
notquiteaff is offline  
Old Jun 27, 22, 12:41 pm
  #881  
 
Join Date: Jan 2013
Posts: 658
Originally Posted by notquiteaff View Post
No personal experience, and I would be interested in data points, too. In the Marriott card thread a recent post said:




Since the 5 free nights offer seems to expire 7/21, I am likely going to wait 30 days after my cancellation of the old card (6/13) to be on the safe side unless everyone here thinks that’s totally stupid and unnecessary.
was approved today after closing the boundless on June 9th.
notquiteaff likes this.
theplayer is offline  
Old Jun 27, 22, 4:03 pm
  #882  
 
Join Date: Dec 2007
Posts: 2,886
So what does Chase do if you have a credit balance on a card when you cancel it? If it's a significant amount of points accumulated do they notify the partner to claw back the points? If the net spend on after the refund is less than the actual SUB threshold do they claw back the SUB or raise any red flags on your account? Does it matter what the timing is on those earnings and the refund or cancellation? Is there something that can be done to "fix" the situation aside from finding extra things to spend money on?
zkzkz is online now  

Thread Tools
Search this Thread