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I don't see much discussion on this, but I think the 5/24 rule applies to CLIs with Chase just like it does with new apps. If you have opened 5 or more new credit cards in the last two years, no CLI. Looks like all five cards in your signature were opened in the last 2 years.





















@mgood wrote:I don't see much discussion on this, but I think the 5/24 rule applies to CLIs with Chase just like it does with new apps. If you have opened 5 or more new credit cards in the last two years, no CLI. Looks like all five cards in your signature were opened in the last 2 years.
What???!! Is this true?? CLIs too? And I was SO waiting for my CFF's 😭
@Anonymous wrote:
@mgood wrote:I don't see much discussion on this, but I think the 5/24 rule applies to CLIs with Chase just like it does with new apps. If you have opened 5 or more new credit cards in the last two years, no CLI. Looks like all five cards in your signature were opened in the last 2 years.
What???!! Is this true?? CLIs too? And I was SO waiting for my CFF's 😭
I don't have a link to back that up right at my fingertips. I'm pretty sure I saw a discussion of this somewhere on this forum. Also, there was at least one YouTube video from one of the major credit card guys that talked about it. I can't say it's 100% established fact, because I haven't seen much corroborating evidence, but at least some people believe this is the case, people who know more about the subject than I.
EDIT: I found a link. Mark got this from multiple sources. It appears that all of them got it from Doctor of Credit. DoC had several people who were otherwise well-qualified but were turned down for CLIs due to being over 5/24. We do not know if this is a permanent change to the rule or a temporary measure during the pandemic. If it is temporary, we don't know when it will go away or if it has already.





















@Anonymous wrote:
@mgood wrote:I don't see much discussion on this, but I think the 5/24 rule applies to CLIs with Chase just like it does with new apps. If you have opened 5 or more new credit cards in the last two years, no CLI. Looks like all five cards in your signature were opened in the last 2 years.
What???!! Is this true?? CLIs too? And I was SO waiting for my CFF's 😭
There were instances were it was cited as denial reason after consumer initiated request.
@mgood I removed the link because it's a link to monetized YouTube channel.
However, even without the link, you're right, there were multiple CLI denials reported here (after HP) for that very reason.
@Anonymous can do some searching if they feel like it.
@Remedios wrote:@mgood I removed the link because it's a link to monetized YouTube channel.
However, even without the link, you're right, there were multiple CLI denials reported here (after HP) for that very reason.
@Anonymous can do some searching if they feel like it.
Apparently I was editing while you were.
I put the link back, then saw your post and took it back out.





















No worries, I figured we were typing at the same time. It happens
@Remedios wrote:They do sometimes but not at set intervals such as 3, 6, 12 months etc.
Unfortunately, $500 with Chase is barely "squeezed in", so I wouldn't hold my breath for increase.
It might happen, but it's not going to be life changing amount.
Once you address reasons why your approval was for $500 only, and those reasons are no longer present, you'd probably have better luck applying for another one of their cards (if there is one you could use)
I agree with this. I have a freedom card which never grew from 2000 dollars since 2014. Never asked for a cli. Recently got approved for two chase cards back to back days of about 18-20k. I may just end up merging the freedom card into one of them







































Shell FCU : 5K
Oh man..I don't have baddies just thin file and too many inquiries and CCs...didn't imagine Chase CCs would be bucketed like CO?! I am NOT going to request CLI, was just waiting for auto CLI, and this is bad new for me 😭 And can't even attempt to apply for another Chase per 5/24 rule. I mean what's more HP at this stage maybe I should just cold app for Amazon, or Delta Gold 😓 for science! 🤷
@lovebackwards Someone here said got auto CLI after 9 months. So let us pray 🙏