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

Chase 5/24 - Yep

NoMoreE46 — Fri, 19 Dec 2025 22:42:11 GMT

I have an upcoming trip where

I was hoping to get the 50,000 SUB for the Southwest RR card. Knowing my 5/24 would not drop and needing enough time to use said points, I tried.

Denied to due "excessive ......" ooh well.

Pulled Experian.

Re: Chase 5/24 - Yep

CreditCuriosity — Fri, 19 Dec 2025 22:58:55 GMT

@NoMoreE46 wrote:
I have an upcoming trip where
I was hoping to get the 50,000 SUB for the Southwest RR card. Knowing my 5/24 would not drop and needing enough time to use said points, I tried.

Denied to due "excessive ......" ooh well.

Pulled Experian.

Sorry :/.. Only card I am aware of that one can get with chase above 5/24 is Amazon Prime. That is why I am sticking with business cards lately until the new Hyatt card offerings come from chase then will use up a slot assuming they don't have a business offering on their new cards as well? See how they look when released. I am 3/24 and plan on never really going above that unless it is an incredible offering on personal. I thought the SW card was 85k or did that go away or different card you went for as could of sworn I saw an 85k offering a day or two ago on their site.

Re: Chase 5/24 - Yep

NoMoreE46 — Fri, 19 Dec 2025 23:21:03 GMT

@CreditCuriosity wrote:
@NoMoreE46 wrote:
I have an upcoming trip where
I was hoping to get the 50,000 SUB for the Southwest RR card. Knowing my 5/24 would not drop and needing enough time to use said points, I tried.

Denied to due "excessive ......" ooh well.

Pulled Experian.

Sorry :/.. Only card I am aware of that one can get with chase above 5/24 is Amazon Prime. That is why I am sticking with business cards lately until the new Hyatt card offerings come from chase then will use up a slot assuming they don't have a business offering on their new cards as well? See how they look when released. I am 3/24 and plan on never really going above that unless it is an incredible offering on personal. I thought the SW card was 85k or did that go away or different card you went for as could of sworn I saw an 85k offering a day or two ago on their site.

Yeah lets say I tried for science.

This the is $99 AF card with just $1,000 spend in 90 days. There is the higher

SUBs of 80,000 but with $5,000 spend on the Business.

Re: Chase 5/24 - Yep

CreditCuriosity — Sat, 20 Dec 2025 02:44:13 GMT

@NoMoreE46 wrote:
@CreditCuriosity wrote:
@NoMoreE46 wrote:
I have an upcoming trip where
I was hoping to get the 50,000 SUB for the Southwest RR card. Knowing my 5/24 would not drop and needing enough time to use said points, I tried.

Denied to due "excessive ......" ooh well.

Pulled Experian.

Sorry :/.. Only card I am aware of that one can get with chase above 5/24 is Amazon Prime. That is why I am sticking with business cards lately until the new Hyatt card offerings come from chase then will use up a slot assuming they don't have a business offering on their new cards as well? See how they look when released. I am 3/24 and plan on never really going above that unless it is an incredible offering on personal. I thought the SW card was 85k or did that go away or different card you went for as could of sworn I saw an 85k offering a day or two ago on their site.

Yeah lets say I tried for science.

This the is $99 AF card with just $1,000 spend in 90 days. There is the higher
SUBs of 80,000 but with $5,000 spend on the Business.

Actually the 85k one ended on 12/15 circled back on DOC after i posted this to make sure i wasn't losing my mind. Anyways not really important I suppose regardless. Just more proof to others 5/24 exists still as well.

Re: Chase 5/24 - Yep

creditrizz — Thu, 25 Dec 2025 22:48:47 GMT

Wondering if the Business CSR would still have the 5/24 rule applied to it? Not the exact same card and prob has higher spend for 200k sub, and I think it's charge v. credit.

I'm 5/24 but I still see the You're Already Approved for the Biz CSR when I login. I've also heard this is often shown to people who get rejected for being 5/24, though.

Re: Chase 5/24 - Yep

BrutalBodyShots — Fri, 26 Dec 2025 02:11:42 GMT

@CreditCuriosity wrote:
Sorry :/.. Only card I am aware of that one can get with chase above 5/24 is Amazon Prime.

While the Amazon Prime is probably the most frequently referenced, I think there are plenty of other co-branded Chase cards that have been able to bypass 5/24 in addition to it. I know for example that their Southwest and Marriott cards have been mentioned in the past as well.

Re: Chase 5/24 - Yep

Aim_High — Tue, 30 Dec 2025 17:47:38 GMT

@BrutalBodyShots wrote:
@CreditCuriosity wrote:
Sorry :/.. Only card I am aware of that one can get with chase above 5/24 is Amazon Prime.
While the Amazon Prime is probably the most frequently referenced, I think there are plenty of other co-branded Chase cards that have been able to bypass 5/24 in addition to it. I know for example that their Southwest and Marriott cards have been mentioned in the past as well.

I have to agree with @CreditCuriosity, @BrutalBodyShots. Bypassing 5/24 is by far the exception. Keep in mind that you might be thinking about some members who reported approvals after getting a "Green Star" and "Black Star" targeted preapprovals which *will* normally bypass 5/24 ... but for that person only. I take 5/24 data points with a bit of skepticism as we've found members who didn't understand the rules and might report they bypassed it when they were actually within limits. For example, someone who had added an installment loan (which isn't included in the 5) might think they bypassed, or someone who had more than 5 inquiries (but not new personal accounts.) Or someone who included business accounts in the five. >This Link< from the points guy website lists the Chase cards found to be subject to 5/24, and it includes pretty much all of them with the exception of Amazon.

I just want to make sure we don't mislead anyone about the ability to bypass 5/24, as Chase is normally pretty strict about it. Most cobranded cards don't bypass. This was even validated by @NoMoreE46 on >his recent denial< for Southwest Rapid Rewards.

Re: Chase 5/24 - Yep

Mervin — Tue, 06 Jan 2026 23:38:34 GMT

So what was the actual reason they gave you? I wouldn’t take this as proof 5/24 is a thing.

Re: Chase 5/24 - Yep

Aim_High — Wed, 07 Jan 2026 18:05:37 GMT

@Mervin wrote:
I wouldn’t take this as proof 5/24 is a thing.

Chase's 5/24 policy is probably the single most well-documented credit card underwriting rule in the industry, so it's definitely "a thing." It's been observed for many years with few exceptions. It's very likely that all lenders have some similar guidelines for their underwriting, but we just don't always know them exactly. The more data points we have, the easier it is to extrapolate and that's what has happened with Chase. How do we know Chase and not XYZ Credit Union? As of >2025 data<, Chase is by-far the largest US card issuer with 17.3% share of the market and almost 115 million cards issued. There are some other general rules known about other large lenders including AMEX, CITI, BofA, and US Bank. Beyond that, data points are too sparse to glean much data on these forums.

A quick search online or on My FICO will find many supporting sources about the 5/24 rule.

Re: Chase 5/24 - Yep

Realist — Mon, 12 Jan 2026 04:56:03 GMT

Chase is a very generous institution. A number of our welcome bonuses originated from Chase, and I still have further work to do with them. However, you should want a generous cool down when reapplying with them, after you've already utilized their services.

They've been running a generous $900 savings and checking bonus for multiple years, and this is entirely separate from their credit lines. Our entire family has utilized this service, at great benefit. Where else are you going to earn $900 in about four months?

Re: Chase 5/24 - Yep

ahmeyer — Tue, 10 Feb 2026 02:13:47 GMT

Do you know if the United card bypasses the 5/24 rule? I just cosigned some student loans for my daughters.

Re: Chase 5/24 - Yep

NoMoreE46 — Tue, 10 Feb 2026 02:57:00 GMT

The established exception from Chase's 5/24 is the Amazon card.

Student loans do not count @ahmeyer .

@ahmeyer wrote:
Do you know if the United card bypasses the 5/24 rule? I just cosigned some student loans for my daughters.

Re: Chase 5/24 - Yep

mgood — Sat, 14 Feb 2026 16:20:10 GMT

@Aim_High wrote:
@Mervin wrote:
I wouldn’t take this as proof 5/24 is a thing.
Chase's 5/24 policy is probably the single most well-documented credit card underwriting rule in the industry, so it's definitely "a thing." It's been observed for many years with few exceptions. It's very likely that all lenders have some similar guidelines for their underwriting, but we just don't always know them exactly. The more data points we have, the easier it is to extrapolate and that's what has happened with Chase. How do we know Chase and not XYZ Credit Union? As of >2025 data<, Chase is by-far the largest US card issuer with 17.3% share of the market and almost 115 million cards issued. There are some other general rules known about other large lenders including AMEX, CITI, BofA, and US Bank. Beyond that, data points are too sparse to glean much data on these forums.

A quick search online or on My FICO will find many supporting sources about the 5/24 rule.

I thought they had loosened up on it a bit. Like 5/24 was still a thing, but not the brick wall it used to be. Maybe it was temporary. Around the time I got my CSP, after waiting to get under 5/24 to apply, they started approving that particular card and maybe a few cases with other cards, when people were well over 5/24.

I know it used to be a bar to getting CLIs, and that does not seem to be the case any more. (Althought I haven't gotten one in a while, and perhaps that's the reason. I know I got at least one, and I think two, CLIs while over 5/24.)