topic Re: Chase United Explorer Card - 5/24 in Credit Card Applications

Chase United Explorer Card - 5/24

madcap3693 — Tue, 09 Jan 2024 20:38:07 GMT

Any chance of an approval for a Chase United Explorer card at 7/24 for this card? Perhaps since it is a co-brand?

I already have two chase cards, never any late payments and just recently got a creadit line increase from Chase on one of the cards.

Worst case I should be down to 4/24 by the end of the year.

Would really hate to take on a hard pull with no shot.

Re: Chase United Explorer Card - 5/24

vinathi — Tue, 09 Jan 2024 20:51:29 GMT

I got denied because of 5/24 rule for this card. In my opinion, I dont think its worth a shot.

Re: Chase United Explorer Card - 5/24

SKBirdmind — Sun, 14 Jan 2024 06:54:17 GMT

I say go for it - unless I'm counting wrong, I got my United Quest at 6/24. They denied me due to bankruptcy - so I called their reconsideration line, and after a few transfers got a (I think) higher-up U.S. specialist. She listened to what I had to say, and approved me right then and there! This is my 1st Chase card.

Re: Chase United Explorer Card - 5/24

mgood — Sun, 14 Jan 2024 13:10:12 GMT

I think Chase is less strict on the 5/24 rule with cobranded cards. Amazon was the first crack in the wall because they were unhappy about so many customers getting turned down. But even with core cards, for a little while Chase seemed to throw 5/24 out the window with Sapphire Preferred apps. This was right after I waited to get under 5/24 to get my CSP, of course. Once-upon-a-time you couldn't get a CLI on a Chase card if you were 5+/24, but I've gotten two or three increases at 5/24, 6/24, 7/24. So 5/24 is still a thing, but it doesn't seem to be the absolute barrier it once was. It depends on the rest of your profile and how much they like you (and maybe on how hard they want to push that particular card at this particular time).

Re: Chase United Explorer Card - 5/24

MarkintheHV — Sun, 14 Jan 2024 13:43:38 GMT

Back in mid-2022 I got the Amazon Visa with > 5/24. I decided to try for a United card and got shot down for more than 5/24. Not sure if this helps or not.

Re: Chase United Explorer Card - 5/24

youngandcreditwrthy — Sat, 20 Jan 2024 17:42:29 GMT

I got all of my chase cards with at least 7/24 but that was back in 2012/2014. crazy how inflation will change things. I thkn youre more likely now to be approved with zero inquiries and a 650 FICO than with 10 inquiries and a 750 FICO lol

fwiw I got the marriot chase card in 2014 with 7/24 25k SL 690 fico. 150k income.

Re: Chase United Explorer Card - 5/24

MarkintheHV — Sun, 28 Jan 2024 13:47:37 GMT

@mgood wrote:
I think Chase is less strict on the 5/24 rule with cobranded cards. Amazon was the first crack in the wall because they were unhappy about so many customers getting turned down.

I wonder if this may have some merit. If you keep up with the airlines, several of the US airlines (I know Delta and AA have done this, and heard United has as well) have basically become credit card companies that fly airplanes. All the avenues to gaining status now have the major points towards status being geared towards spend on their credit cards. Delta is on track to earn $7 billion dollars from AmEx alone this year. Given this, I could see airlines not being happy with too many stiff rules about becoming credit card members since this now has such a major effect on revenue.

Re: Chase United Explorer Card - 5/24

SouthJamaica — Sun, 28 Jan 2024 19:06:51 GMT

@madcap3693 wrote:
Any chance of an approval for a Chase United Explorer card at 7/24 for this card? Perhaps since it is a co-brand?

I already have two chase cards, never any late payments and just recently got a creadit line increase from Chase on one of the cards.

Worst case I should be down to 4/24 by the end of the year.

Would really hate to take on a hard pull with no shot.

Unless you are preapproved, you are likely to be declined.

Re: Chase United Explorer Card - 5/24

madcap3693 — Sun, 28 Jan 2024 22:45:57 GMT

Yeah I was figuring denial would be likely....

5/24 rule is the worst.

Re: Chase United Explorer Card - 5/24

youngandcreditwrthy — Mon, 29 Jan 2024 01:44:29 GMT

@madcap3693 is there a way to check for a pre approval or maybe a special SUB? I dont think its the inquiries, but the recent CLI and the inquiries could be a reason for denial.

mathematically id say 75% shot. This is one of their easier cards to get approved for based on anecdotal reports.

Re: Chase United Explorer Card - 5/24

youngandcreditwrthy — Mon, 29 Jan 2024 01:45:46 GMT

@mgood yeah I got my CSP with I think 9 or 10 maybe 11 inquiries but that was 2013? maybe even 2012 lol

Re: Chase United Explorer Card - 5/24

CorpCrMgr1 — Thu, 01 Feb 2024 00:28:14 GMT

It's been a few years, but I was at 5/24 back when Chase approved me. I really believe the total picture is more important.

Re: Chase United Explorer Card - 5/24

SKBirdmind — Fri, 02 Feb 2024 17:44:54 GMT

@MarkintheHV wrote:
I wonder if this may have some merit. If you keep up with the airlines, several of the US airlines (I know Delta and AA have done this, and heard United has as well) have basically become credit card companies that fly airplanes. All the avenues to gaining status now have the major points towards status being geared towards spend on their credit cards. Delta is on track to earn $7 billion dollars from AmEx alone this year. Given this, I could see airlines not being happy with too many stiff rules about becoming credit card members since this now has such a major effect on revenue.

I also think it's entirely possible there's more leniency with co-branded cards. That's really fascinating on the airline revenue thing - I've vented on here before over AmEx's blatant refusal to give me a $1K credit line, be that Delta or anything else. You'd think Delta (or AmEx for that matter) would be a little more open to making money off passengers that way, instead of telling them to get lost... It's a big reason I've shifted more loyalty towards United AND American. Someone once compared to not getting accepted for a golf membership, because a person on the panel prefers Tommy Bahama and you wore Ralph Lauren to the interview...

I'm going out on a limb here again to say don't be deterred by metrics and statistics like these. If I listened to ANYONE on this forum, I wouldn't have my Quest Visa - credit history, past bankruptcy, 5/24, scores, and most every other thing would tell you I'd never, EVER get approved. But I also don't give up so easily...

Re: Chase United Explorer Card - 5/24

MarkintheHV — Fri, 02 Feb 2024 18:20:59 GMT

@SKBirdmind wrote:
I'm going out on a limb here again to say don't be deterred by metrics and statistics like these. If I listened to ANYONE on this forum, I wouldn't have my Quest Visa - credit history, past bankruptcy, 5/24, scores, and most every other thing would tell you I'd never, EVER get approved. But I also don't give up so easily...

Just out of curiosity, did you have to go through reconsideration for your Quest Visa? I am assuming that you werent under 5/24 and had other issues. I would love to get in with United (even through business) but definitely above 5/24

Re: Chase United Explorer Card - 5/24

madcap3693 — Mon, 06 May 2024 23:41:09 GMT

Well I gave it shot today.....

Denied since I'm at 7/24. Supposedly that was the only reason according to the recon line.

I'll give it another shot in August / September when I'm at 4/24.

One pull on Experian.

Re: Chase United Explorer Card - 5/24

LADave — Tue, 07 May 2024 02:06:32 GMT

@madcap3693 thank you for your data points! Sorry to hear about your getting declined, and may you get this and/or better cards down the road. It's helpful to hear your data points, including the reason(s) for rejection and the bureau they pulled.

About a couple years ago I tried my luck at a Southwest card when I was over 5/24 (and when I started hearing that Chase was getting more lenient on co-branded cards, Amazon's in particular). It seems that Chase goes through periods of leniency with 5/24 on at least a few cards, before going back to enforcing the rule on most of them.

Speaking only for myself, I'd be leery about getting into a points system if the only way I could earn those points with a credit card is through Chase. But maybe I'd feel differently if I had spent more of the past 2 years gardening. 🪴

Re: Chase United Explorer Card - 5/24

madcap3693 — Wed, 19 Jun 2024 00:17:00 GMT

Well yesterday my new cards opened in the past 24 months dropped down to five from seven.

I saw a great offer for the United Explorer card on the United app for 65,000 miles after 3K spend in three months. I had my doubts I would get approved since I was rejected at 7/24 but figured the offer was worth taking another inquiry ding. I crossed my fingers and applied...

I was automatically approved and with a nice $19,500 credit limit!!

I'm shocked, but happy I took another gamble and got approved at 5/24. I'm thinking maybe it might be easier to get an approval for this card or other chase chase when there is an agressive new member bonus because they are really looking for new accounts.

Re: Chase United Explorer Card - 5/24

Amatobene — Thu, 16 Apr 2026 11:36:12 GMT

April 2026 I applied for the Chase United Explorer card and was immediately approved. I was at 5/24 plus 2 Authorized User accounts. I was already pre-approved in the United app and it showed a specific APR %. (Perfect payment history, approx 770 Fico score.) I had read on other forums that some users recently were denied for being 8/24 despite pre approved with specific APR, but I gambled on perhaps Chase not yet seeing my two recent Apr 2026 cards yet though it definitely knew about the BOA hard pull.

My cards from past 24 months were:

[Apr 2026 Chase United Authorized User ],

Apr 2026 BOA Cust. Cash Rewards,

Nov 2025 WF Autograph,

Jun 2025 C1 Venture X,

[ Apr 2025 Fidelity AU ],

Dec 2024 C1 REI,

Nov 2024 C1 Savor.