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Which Chase Cards Are Affected by The 5/24 Rule?

The 5/24 rule applies to the following cards:
Chase Freedom
Chase Freedom Unlimited
Chase Sapphire Preferred
Chase Sapphire Reserve
Chase Slate
Chase Ink Cash
Chase Ink Plus
Chase Ink Preferred
Chase Southwest Plus personal card
Chase Southwest Premier personal card
Chase Southwest Premier business card
Chase Marriott Premier personal card
Chase United MileagePlus Club Card
Chase United MileagePlus Club  Business Card
Chase United MileagePlus Explorer personal card
Chase United MileagePlus Explorer business card

What Cards Aren’t Affected?

The following cards don’t have this rule applied to them:
Chase IHG
Chase Hyatt
Chase British Airways
Chase Disney
Chase Fairmont ?
Chase Marriott Premier business card
Chase Ritz-Carlton
Chase Amazon
Chase AARP

HT: DOC
« Last edited by etech0 on October 24, 2017, 10:11:36 PM »

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Author Topic: Chase 5/24 Rule To Apply On Co-branded Cards?  (Read 129652 times)

Offline Welder

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #220 on: March 31, 2016, 09:11:40 PM »
Quote from: Welder on March 20, 2016, 04:56:34 PM
I'm way over 5/24 (even within Chase itself).
This morning I applied for SP, BA, Marriott, and Hyatt.
Got 'pending' on all four.
I will not be calling about any of them.
Quote from: Welder on March 26, 2016, 08:35:45 PM
Got denial letters for SP, BA, and Marriott for having received the bonus less then 24 months ago.

Still waiting on Hyatt (which I've never had before).

Got a letter for Hyatt requesting me to call in to verify that it was I who applied.
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Offline Welder

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #221 on: April 01, 2016, 10:54:01 AM »
Quote from: Welder on March 31, 2016, 09:11:40 PM
Got a letter for Hyatt requesting me to call in to verify that it was I who applied.
Approved!
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Offline 12HRS

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #222 on: April 01, 2016, 11:01:41 AM »
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Offline Welder

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #223 on: April 01, 2016, 11:02:38 AM »
Yes
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Offline chinagel

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #224 on: April 03, 2016, 01:38:13 PM »
is the 5/24 rule automatic decline (7-10 days) or it can be pending? i just applied and got the "2 weeks" for umpe
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Offline emjee

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #225 on: April 03, 2016, 02:05:19 PM »
Quote from: chinagel on April 03, 2016, 01:38:13 PM
is the 5/24 rule automatic decline (7-10 days) or it can be pending? i just applied and got the "2 weeks" for umpe
Nobody really knows. PUTPAC is what makes all the difference no matter what it is
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Offline David Smith

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #226 on: April 03, 2016, 02:08:27 PM »
Quote from: chinagel on April 03, 2016, 01:38:13 PM
is the 5/24 rule automatic decline (7-10 days) or it can be pending? i just applied and got the "2 weeks" for umpe
5/24 doesn't officially apply to cobranded yet. 2 weeks means pending. Don't call until it's denied.
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Offline chinagel

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #227 on: April 03, 2016, 02:09:39 PM »
Quote from: David Smith on April 03, 2016, 02:08:27 PM
5/24 doesn't officially apply to cobranded yet. 2 weeks means pending. Don't call until it's denied.
i mean on chase branded cards does it ever show as pending (2 weeks)
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Offline David Smith

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #228 on: April 03, 2016, 02:11:43 PM »
Quote from: chinagel on April 03, 2016, 02:09:39 PM
i mean on chase branded cards does it ever show as pending (2 weeks)
Sure.
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Offline yossig

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #229 on: April 06, 2016, 10:32:49 AM »
i was in the bank yesterday and my banker told me that i am preapproved for i few cards including the new freedom, the thing is that i am way over the 5/24 limit. is there any point of trying?
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Offline Hershelsdeals

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #230 on: April 06, 2016, 10:35:42 AM »
Quote from: yossig on April 06, 2016, 10:32:49 AM
i was in the bank yesterday and my banker told me that i am preapproved for i few cards including the new freedom, the thing is that i am way over the 5/24 limit. is there any point of trying?
There are reports of people being approved even with the 5/24. You probably have better chances if you're auto approved
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Offline yossig

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #231 on: April 06, 2016, 10:39:38 AM »
Quote from: Hershelsdeals on April 06, 2016, 10:35:42 AM
There are reports of people being approved even with the 5/24. You probably have better chances if you're auto approved
but is the try worth the hard pull?
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Offline CS91

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #232 on: April 06, 2016, 10:40:06 AM »
Quote from: yossig on April 06, 2016, 10:39:38 AM
but is the try worth the hard pull?
Pulls are overrated.
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Offline TimT

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #233 on: April 06, 2016, 10:41:24 AM »
Quote from: yossig on April 06, 2016, 10:39:38 AM
but is the try worth the hard pull?
Yes. Worst case apply for other cards afterwards in that same pull.
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Offline yossig

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #234 on: April 06, 2016, 10:45:09 AM »
thanks!
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Offline AJK

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #235 on: April 06, 2016, 11:08:18 AM »
Quote from: CS91 on April 06, 2016, 10:40:06 AM
Pulls are overrated.

Not exactly.

The effect of pulls varies per credit profile. For a seasoned credit profile, pulls may be "overrated." However, for an immature credit profile, excess pulls can be the difference between approval and denial.
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Offline CS91

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #236 on: April 06, 2016, 11:12:21 AM »
Quote from: AJK on April 06, 2016, 11:08:18 AM
Not exactly.

The effect of pulls varies per credit profile. For a seasoned credit profile, pulls may be "overrated." However, for an immature credit profile, excess pulls can be the difference between approval and denial.
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Offline chinagel

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #237 on: April 06, 2016, 11:30:20 AM »
just got approved for umpe (had it 3 months ago) and ritz. im over 5/24 by about 200
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Offline David Smith

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #238 on: April 06, 2016, 11:34:25 AM »
Quote from: chinagel on April 06, 2016, 11:30:20 AM
just got approved for umpe (had it 3 months ago) and ritz. im over 5/24 by about 200
200 must be including AUs, which aren't supposed to count for 5/24 anymore.
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Offline tzifanya54

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Re: Chase 5/24 Rule To Apply On Co-branded Cards?
« Reply #239 on: April 06, 2016, 11:35:56 AM »
Quote from: chinagel on April 06, 2016, 11:30:20 AM
just got approved for umpe (had it 3 months ago) and ritz. im over 5/24 by about 200
How long since the bonus on the first umpe?
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