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An update on my wife’s 5/24 rule brick wall with Chase – an approval (just not 1st choice).

René by René
April 12, 2016
in Travel Related
10

Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc., is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of the links on this page are affiliate or referral links. We may receive a commission or referral bonus for purchases or successful applications made during shopping sessions or signups initiated from clicking those links.

gosh i hate the chase 5-24 rule
Gosh I hate this rule!

Just a quick update and a data point for my wife’s latest round of travel cards. In case you missed it you can check the previous post for the cards she was approved for. What she was firmly turned down for was the Chase Sapphire, despite the fact that it had been years since she got the card, due to the 5/24 rule that currently is in effect for most Chase branded cards.

80k marriott chase card

So, once we called and got the firm no we had the runner up choice the Marriott HOTEL card that can yield (with an AU added and 1 charge) with minimum spend 90k points. That is a VERY nice deal as well. Would that one be approved the same day right after a firm NO for the Sapphire card?

YES!

We did not call in right away but now know the answer for that co-branded card was approved (even though not instant). This is good news as I and many others feel the time remaining to apply for co-branded offers from Chase, both personal and business, are near an end as the 5/24 rule will soon apply to them as well.

70k ihg card
70K HOTEL card we BOTH hold

Anyway, just wanted to share an interesting data point. Also interesting was in my original post one reader said they had success calling in and getting reconsidered for the Chase Sapphire even though they had applied for a large number of cards over the past 24 months. I guess I like instant approvals and will over the next two years “test the waters” if you will when great offers pop up that make it worthwhile to fight a bit with Chase! – René

 

 

Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc., is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of the links on this page are affiliate or referral links. We may receive a commission or referral bonus for purchases or successful applications made during shopping sessions or signups initiated from clicking those links.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Previous Post

I am going back to the PGA 2016 at BALTUSROL on SPG points (I will miss these SPG events)! (UPDATE)

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René

René

René de Lambert is a contributing writer for EyeoftheFlyer.com - He is an avid Delta and SkyTeam flyer who has held Delta’s top Diamond Medallion status for many years and flown millions of miles.

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Comments 10

  1. Marshall says:
    9 years ago

    That’s great an all, but it seems to be encouraging people to submit apps that will likely get rejected and therefore negatively impact their credit score with no contrasting benefit to their card portfolio.

    Reply
    • rene says:
      9 years ago

      @Marshall – The one who dies with an 850 credit score gets no extra perks over one who dies with a 775. I use my credit score and if you follow what I suggest in the ROOKIES tab you will see the impact to the credit score will be a NET positive one, not a negative one. My wife and I have YEARS of proof that this works and our scores are MUCH higher than those who only hold a few or 1 travel card! BTW the point of the post is to show even after rejection for the one card, the same day approval was given for the co-branded card. 🙂

      Reply
  2. Marshall says:
    9 years ago

    Rene,
    I do read your blog and enjoy it very much. I’m simply referring what I’m seeing across a lot of blogs, which is further encouragement to keep applying for Chase cards even when it’s likely the applicant will get denied due to the 5/24 rule. I do recognize that you’re simply providing a data point that is positive, however, and therefore beneficial to anyone who’s curious to “test the waters” and risk a denial which would negatively impact their score.

    Thanks for all you do!

    Reply
    • rene says:
      9 years ago

      @Marshall – Thanks. Again, this is why I test and retest to yield data points for others to consider before they choose what cards to go for.

      Reply
  3. Vicente says:
    9 years ago

    Tried reconsideration line for recent Sapphire/Freedom denials.

    Wheedled, said I had been seduced by American Express, had a Sapphire really wanted to come back…. please take me back baby I’ll do ANyTHIng!

    NOOOPE! 6 pulls in 24 months, denied!

    Reply
    • rene says:
      9 years ago

      @Vicente – NO SOUP (CC) for you. Come back, 2 years (and request no more CC before then)! 😉

      Reply
  4. DDiamond says:
    9 years ago

    Rene
    Glad you got the Chase Marriott Visa and related points. Now maybe you’ll come over to the dark side and start posting some MR pointers vs SPG 🙂
    DD

    Reply
    • rene says:
      9 years ago

      @DDiamond – LOL well… we shall see. Txs 🙂

      Reply
  5. John says:
    9 years ago

    I got turned down for the Freedom, as I have picked up a dozen new CC over the past year. It did not matter that I had one of their cards for 25 years, or my checking account was with them for 30 years. It did not matter that our credit scores were >800, or that we paid our bills each month on time. I only have 3 Chase cobranded cards. Reconsideration did not help.

    Reply
  6. Beca says:
    8 years ago

    Same here! Excellent credit score, no debits or loans, car paid off, make over six figures per year, never not paid a credit card bill or any bill on time and still got denied because of the 5/24 rule! When I asked when could I apply again the very rude representative said it was up to me. Really?? Do I want to hurt my credit score by being denied again and again?? It’s stupid at best and no one should ever even consider a credit card that has such a stupid rule like that and couldn’t care less about their customers! When I say their customers I mean that because I have the Chase United and the Chase Hyatt for many years of paying my bills in time and this is irrelevant for them too! Bunch of idiots! We should make them beg for our business in the future when no one apply for their stupid credit cards anymore!

    Reply

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