5/24 count (may) now include Chase business cards?
Nov 16, 2022, 6:08 pm
#16
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Nov 29, 2022, 8:31 am
#17
Join Date: May 2022
Posts: 2,263
Sorry I am late to the game on this but here is some personal stats:
P1
In May I applied for a business card, I was at 4/24 and had 3 business cards from chase in the last 24 as well
In June I dropped down to 3/24 but now had 4 business cards in 24 months, and approved for a personal card
P2
Just this month, was at 4/24 and 2 chase business cards in 24 months and was approved
These made P1 at 11 Chase cards and 7 for P2
P1
In May I applied for a business card, I was at 4/24 and had 3 business cards from chase in the last 24 as well
In June I dropped down to 3/24 but now had 4 business cards in 24 months, and approved for a personal card
P2
Just this month, was at 4/24 and 2 chase business cards in 24 months and was approved
These made P1 at 11 Chase cards and 7 for P2
Nov 29, 2022, 9:18 am
#18
Join Date: Feb 2011
Location: NYC suburbs
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Posts: 3,297
(Rhetorical questions: Does P1 imply a P2? I’m solo in this game, does that mean I’m P or P0 or P1 or no P 
? )
Being a long time credit card churner and frequent flyer monger with possibly higher numbers than P1 or P2 above, it’s a little discouraging and depressing to read this thread and I’ve kinda been hoping that it would disappear from the list of most recent active threads. It would be quite nice and highly encouraging if this thread died a long and slow death due to a lack of adverse datapoints
.
? )Being a long time credit card churner and frequent flyer monger with possibly higher numbers than P1 or P2 above, it’s a little discouraging and depressing to read this thread and I’ve kinda been hoping that it would disappear from the list of most recent active threads. It would be quite nice and highly encouraging if this thread died a long and slow death due to a lack of adverse datapoints
.
Nov 29, 2022, 9:39 am
#19
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
P2 just received her CIU. She's going to add me as an employee so I can assist her in making the $6k spend. We're both at a comfortable 3/24 which will drop to 2/24 by mid- and late-2023 respectively, so even if the CIU somehow ends up counting against our 5/24, it's no biggie. Nevertheless, it would be awfully nice if Chase would come clean on 5/24.
Nov 29, 2022, 9:54 am
#20
Join Date: May 2022
Posts: 2,263
(Rhetorical questions: Does P1 imply a P2? I’m solo in this game, does that mean I’m P or P0 or P1 or no P ? )
Being a long time credit card churner and frequent flyer monger with possibly higher numbers than P1 or P2 above, it’s a little discouraging and depressing to read this thread and I’ve kinda been hoping that it would disappear from the list of most recent active threads. It would be quite nice and highly encouraging if this thread died a long and slow death due to a lack of adverse datapoints .
? )Being a long time credit card churner and frequent flyer monger with possibly higher numbers than P1 or P2 above, it’s a little discouraging and depressing to read this thread and I’ve kinda been hoping that it would disappear from the list of most recent active threads. It would be quite nice and highly encouraging if this thread died a long and slow death due to a lack of adverse datapoints
.It would mean P2 cannot open a chase card until June, and I could not until December of next year!
Dec 8, 2022, 6:22 am
#21
Join Date: Aug 2012
Posts: 779
DP:
P2 applied for the Ink Cash yesterday and received an electronic denial letter today. P2 is at 4/24 (5/24 if counting the Chase Ink Unlimited opend 37 days ago).
Reasons for the denial are:
1. Credit report shows too many recently opened accounts
2. New Chase business card recently opened
It seems like Chase includes Chase business cards in the 5/24 count for my application.
P2 applied for the Ink Cash yesterday and received an electronic denial letter today. P2 is at 4/24 (5/24 if counting the Chase Ink Unlimited opend 37 days ago).
Reasons for the denial are:
1. Credit report shows too many recently opened accounts
2. New Chase business card recently opened
It seems like Chase includes Chase business cards in the 5/24 count for my application.
Dec 8, 2022, 8:08 am
#22
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Dec 8, 2022, 8:16 am
#23
Join Date: Feb 2016
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Just to add some data for tracking this "possible" change...
Since Aug '21 I've applied and been approved for 4 personal cards, 1 AU card with SO, and 4 business cards through Chase. Last card was on Nov 30th Chase Aer Lingus CC.
So, no change as far as I can see.
Since Aug '21 I've applied and been approved for 4 personal cards, 1 AU card with SO, and 4 business cards through Chase. Last card was on Nov 30th Chase Aer Lingus CC.
So, no change as far as I can see.
Dec 8, 2022, 12:40 pm
#24
Join Date: Aug 2012
Posts: 779
Chase must have counted my Chase Ink Unlimited card from last month.
Or may be the new app is too close to the previous Ink app?
Last edited by asdfghjk; Dec 8, 2022 at 12:46 pm
Dec 8, 2022, 1:25 pm
#25
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
P2 applied for the Ink Cash yesterday and received an electronic denial letter today. P2 is at 4/24 (5/24 if counting the Chase Ink Unlimited opend 37 days ago). Reasons for the denial are:
1. Credit report shows too many recently opened accounts
2. New Chase business card recently opened
It seems like Chase includes Chase business cards in the 5/24 count for my application.
1. Credit report shows too many recently opened accounts
2. New Chase business card recently opened
It seems like Chase includes Chase business cards in the 5/24 count for my application.
Dec 13, 2022, 11:37 am
#26
Join Date: May 2022
Posts: 2,263
DP:
P2 applied for the Ink Cash yesterday and received an electronic denial letter today. P2 is at 4/24 (5/24 if counting the Chase Ink Unlimited opend 37 days ago).
Reasons for the denial are:
1. Credit report shows too many recently opened accounts
2. New Chase business card recently opened
It seems like Chase includes Chase business cards in the 5/24 count for my application.
P2 applied for the Ink Cash yesterday and received an electronic denial letter today. P2 is at 4/24 (5/24 if counting the Chase Ink Unlimited opend 37 days ago).
Reasons for the denial are:
1. Credit report shows too many recently opened accounts
2. New Chase business card recently opened
It seems like Chase includes Chase business cards in the 5/24 count for my application.
Hopefully its actually related to the 37 day old Unlimited. Was it used heavily? First business card?
Dec 13, 2022, 3:21 pm
#27
Join Date: Aug 2012
Posts: 779
I will try to recon next month after one of the personal cards fall of the 5/24 list.
Jan 1, 2023, 4:31 pm
#28
Join Date: Feb 2013
Posts: 29
I don't think Chase is counting Business cards toward 5/24, at least in my situation.
My wife and I just applied for the Chase Ink Cash cards and got approved instantly.
I'm 3/24, not counting Chase Business card approvals. 5/24 counting all Chase personal and business cards. 6/24 if you count a BofA Alaska Airline Business card.
My wife is 4/24, not counting Chase Business card approvals. She would also be 5/24 counting all Chase personal and business. 6/24 if you count a BofA Alaska Airline Business card.
My wife and I just applied for the Chase Ink Cash cards and got approved instantly.
I'm 3/24, not counting Chase Business card approvals. 5/24 counting all Chase personal and business cards. 6/24 if you count a BofA Alaska Airline Business card.
My wife is 4/24, not counting Chase Business card approvals. She would also be 5/24 counting all Chase personal and business. 6/24 if you count a BofA Alaska Airline Business card.
Last edited by EatMoreChicken; Jan 1, 2023 at 4:44 pm
Jan 2, 2023, 2:55 pm
#29
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
It seems like the only time Chase might be counting Chase business cards toward 5/24 is sometimes when an agent has to review your application manually, and decides to check what Chase credit you already have and when you opened them. Chase doesn't seem to count them when the application is processed normally.
Jan 14, 2023, 4:46 pm
#30
Join Date: Sep 2018
Posts: 28
Applied for United Biz in Nov '22, rejected:
Too many credit cards opened in the last two years associated with you
Applied CIC 3 days ago, rejected:
Too many credit cards opened in the last two years associated with you
Business structure
Insufficient business deposit relationship with us
I'm 4/24, 5/24 including an Ink I got in July '22
Too many credit cards opened in the last two years associated with you
Applied CIC 3 days ago, rejected:
Too many credit cards opened in the last two years associated with you
Business structure
Insufficient business deposit relationship with us
I'm 4/24, 5/24 including an Ink I got in July '22