Getting around 5/24 rule?

[Anonymous]

Is there anyway around the 5/24 rule with Chase? Recently applied for one of their Biz CC's & was denied due to "having too many accounts opened in the past 24 months". I applied not knowing that the Biz CC's applied to their 5/24 rules as well, however I have Sapphire Resevere & Freedom cards from Chase but wanted to move over to their business products but don't want to wait two years to do so. What do you guys suggest?

[simplynoir]

Unless you get a green/black checkmark offer which should show up on your online account there's nothing you can do but wait it out

Supposedly you can bypass it through a BRM to get an approval still but I'm not too sure on that at all

[SouthJamaica]

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@Anonymous wrote:

Is there anyway around the 5/24 rule with Chase? Recently applied for one of their Biz CC's & was denied due to "having too many accounts opened in the past 24 months". I applied not knowing that the Biz CC's applied to their 5/24 rules as well, however I have Sapphire Resevere & Freedom cards from Chase but wanted to move over to their business products but don't want to wait two years to do so. What do you guys suggest?

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The ways to bypass 5/24 are:

1. Get a preapproval on the site, in the mail, or in a branch

2. Submit a paper application through your Business Relationship Manager in your branch

[Anonymous]

Actually did go through the branch manager & was still denied for that reason...she also submitted a reconsideration for me as well after I was denied. Still haven't hear anything back but I'm sure they didn't approve me

[simplynoir]

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@Anonymous wrote:

Actually did go through the branch manager & was still denied for that reason...she also submitted a reconsideration for me as well after I was denied. Still haven't hear anything back but I'm sure they didn't approve me

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Sorry to hear that. Then you'll just have to wait to get back under 5/24 or keep checking online for your offers to see if Chase will throw you a preapproval for their business cards

[Anonymous]

BoA & Amex have nice biz cards too -- maybe a thought. 

Reminds me of a 70's song: If you can't love the one you want, love the one you're with. 

[Anonymous]

Got approved 21k between two Amex biz cards both instant approvals. BOA denied me though, now waiting to hear back from Navy Fed!

[SouthJamaica]

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@Anonymous wrote:

Got approved 21k between two Amex biz cards both instant approvals. BOA denied me though, now waiting to hear back from Navy Fed!

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NFCU's business department is not user friendly like its consumer department.

But if you submitted their lengthy application, I guess you've already learned that.

[Anonymous]

Yeah most definitely has been a process, hate the fact that you actually have to print the app out & physically sign it...what are the requirements for navy fed business cards do you know?

[SouthJamaica]

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@Anonymous wrote:

Yeah most definitely has been a process, hate the fact that you actually have to print the app out & physically sign it...what are the requirements for navy fed business cards do you know?

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My experience with Navy Fed's credit applications is simply creepy.

And if you ever want to apply for a CLI, they make you fill out the entire 6 page paper application all over again. It's horrible. I wish I'd known before I got involved with them.