topic Re: Internal limit for Chase? in Credit Cards

Internal limit for Chase?

Justrebuilding — Mon, 15 Mar 2021 18:55:41 GMT

Is there a limit on how many Chase cards they will allow you to have at one time?

I want to apply for the CSP. I currently have the Hyatt, Freedom, 2 Freedom Unlimited, Ink Preferred and Ink Unlimited.

I previously have had the CSP and CSR, both over 3 years ago and later did PCs to Freedoms.

Re: Internal limit for Chase?

Hoben02 — Mon, 15 Mar 2021 18:57:31 GMT

No hard limit on number of cards to own with chase, but there is most likely a total credit limit

Re: Internal limit for Chase?

K-in-Boston — Mon, 15 Mar 2021 19:28:21 GMT

Indeed it will just come down to underwriting. The only firm rule for cards is the "one Sapphire" policy they instituted a few years ago, but since you mentioned PCing your previous cards and no longer have a Sapphire product you won't have to worry about that. Bonus eligibility is 48 months for CSP and CSR; so if you opened your previous cards since then, I would wait. (You mentioned 3 years but wasn't sure if that was since the PCs or since opening and receiving a SUB.)

Re: Internal limit for Chase?

Anonymous — Mon, 15 Mar 2021 19:35:07 GMT

There's definitely people with upwards of 10

It does just come down to UW, though it'd appear the $$$ exposure (think 100-150k+ is always manual review, same with those who have other factors like borderline DTI) is much more important than quantity of cards

Re: Internal limit for Chase?

Justrebuilding — Tue, 16 Mar 2021 03:27:34 GMT

@K-in-Boston wrote:
Indeed it will just come down to underwriting. The only firm rule for cards is the "one Sapphire" policy they instituted a few years ago, but since you mentioned PCing your previous cards and no longer have a Sapphire product you won't have to worry about that. Bonus eligibility is 48 months for CSP and CSR; so if you opened your previous cards since then, I would wait. (You mentioned 3 years but wasn't sure if that was since the PCs or since opening and receiving a SUB.)

3 yrs since opening and receiving the SUB, thx!

Re: Internal limit for Chase?

Justrebuilding — Tue, 16 Mar 2021 03:27:13 GMT

@Anonymous wrote:
There's definitely people with upwards of 10

It does just come down to UW, though it'd appear the $$$ exposure (think 100-150k+ is always manual review, same with those who have other factors like borderline DTI) is much more important than quantity of cards

Good to know!