Many off branded approvals with 5+ cards/24 month history, I'm not sure I've seen one UR approval with a 5+/24 month history, I'd love your theory to distroy this nightmare... but I'm afraid your theory is a bubble.
Got one Ink plus, and one CSP Feb 2015 , after that Ritz Carlton personal ,Marriot and UA BIZ, and after that BA and UA PERSONAL.
Didn't try Ink because I was too tired.
Adds up to 7 using my Math , and expect more before years end
What theory is that ? FYI I don't add add up 5 in 24, and if you mean 5 UR cards in 24 months , blew thru that also .
Tired again
Good Night