Chase 5/24 Rule To Apply On Co-branded Cards?

[TimT]

Direct to Chase if that matters

It doesn't

[Elite1]

It doesn't

I was just wondering if its an unknown qualified offer that worked, even without code, or is it the relationship?

[Buruch]

Did he go over 5/24 close to his app? i.e. were they already showing on his credit report at the time of the csp app?

[Elite1]

Did he go over 5/24 close to his app? i.e. were they already showing on his credit report at the time of the csp app?

Yup. Last few cards were back in Jan.

[Welder]

Auto approvals were never ruled out - it's recon who enforce 5/24.

[chinagel]

Auto approvals were never ruled out - it's recon who enforce 5/24.

I've gotten declined w/o speaking to recon

[Welder]

I've gotten declined w/o speaking to recon

And 5/24 was the reason given on the letter? Regardless, it doesn't rule out auto-approvals.

ETA: "Too many recent credit applications" has always been a reason for denial, long before 5/24 came around.

[chinagel]

Too many cards opened in last 2 years was what it said

[Elite1]

And 5/24 was the reason given on the letter? Regardless, it doesn't rule out auto-approvals.

ETA: "Too many recent credit applications" has always been a reason for denial, long before 5/24 came around.

Are you claiming that auto-approvals are just as easy as prior to 5/24?

[Baruch]

CMIIW, but even though auto approvals are not ruled out with 5/24, but their still much harder.

[mochjas]

CMIIW, but even though auto approvals are not ruled out with 5/24, but their still much harder.

from what I understand: the only way to beat 5/24 is with instant approval. If you have to go to recon you pretty much have no chance.

[chinagel]

CMIIW, but even though auto approvals are not ruled out with 5/24, but their still much harder.

b4  5/24 was on cobranded I was getting approved w/o recon for everything but somehow the csp app I stuck in was denied for 5/24. I never called recon

[Welder]

I never said auto approvals are just as easy as before. Only that instant/auto approvals are not precluded by 5/24.

[Elite1]

from what I understand: the only way to beat 5/24 is with instant approval. If you have to go to recon you pretty much have no chance.

From what it seems to be instant approvals are highly unusual (or maybe impossible) with 5/24. Anyone else with success here on instant after 5/24?

[TAVI]

does it matter if one is a CPC as it relates to the 5/24 rule?

[chinagel]

From what it seems to be instant approvals are highly unusual (or maybe impossible) with 5/24. Anyone else with success here on instant after 5/24?

update: I was approved today for all 3. I have opened way more than 5 cards in past 24, though, I have disputed a few inquiries on my report that was pulled from Amex a few days apart. Not sure if tha helped.

[Elite1]

From what it seems to be instant approvals are highly unusual (or maybe impossible) with 5/24. Anyone else with success here on instant after 5/24?

update: I was approved today for all 3. I have opened way more than 5 cards in past 24, though, I have disputed a few inquiries on my report that was pulled from Amex a few days apart. Not sure if tha helped.

Basically your amex business cards aren't reported so you're probably under 5/24

That makes sense

So obviously meanwhile no proof for instant in CS after 5/24

[PBE]

Does 5/24 apply for the Ritz and Marriot (personal) cards?

[GettingReady]

Does 5/24 apply for the Ritz and Marriot (personal) cards?

Based on reports, yes, for the Marriott. No, for the Ritz.

[Chief Rabbi of New York]

Does 5/24 apply for the Ritz and Marriot (personal) cards?

Based on reports, yes, for the Marriott. No, for the Ritz.

does that mean that the Marriott business card will get approved if you are 5/24?
you wrote personal card....