Chase denial, too many new cards

[SouthJamaica]

I applied for the AARP card, which is not subject to the 5/24 rule.

Despite my 766 EX FICO8 score I was turned down.

When I called to recon, the rep said it was because I'd opened too many new cards, saying I'd opened 10 new accounts in the past 12 months. He said if I really want a Chase card I should ease up on the applications

Just passing it along to those of you who, like me, can't resist applying for new cards

[YoungB718]

Appreciate the Info.  Like you, I've got to cool my boots with the apps but it's just so damn addictive.  

[SouthJamaica]

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@YoungB718 wrote:

Appreciate the Info.  Like you, I've got to cool my boots with the apps but it's just so damn addictive.  

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It really is

[AverageJoesCredit]

Come on SJ! Its not like you had 12 cards in 12 months The nerve of this bank..... ;

[SouthJamaica]

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@AverageJoesCredit wrote:
Come on SJ! Its not like you had 12 cards in 12 months The nerve of this bank..... ;

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Well maybe he counted wrong It's not like me to let a whole month go by without a new card

[mattmyFIC0]

Did the app go pending and then you called recon or did you get a denial in the mail before calling?

[SouthJamaica]

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@mattmyFIC0 wrote:

Did the app go pending and then you called recon or did you get a denial in the mail before calling?

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After getting denial in the mail.

[kdm31091]

It's not under official 5/24 but Chase reps are definitely trained to frown on new accounts (which is understandable). Sorry for the denial. Compared to the general population, most of us have way, way more cards in the past year or two, so denials for this reason are not a surprise.

Probably a good idea to lay low on new accounts for several months and then try again. Although they reference a year, I think the immediately proceeding 6 months are what matter the most. If you garden for that long I'm sure you would be able to be approved.

[SouthJamaica]

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@kdm31091 wrote:

It's not under official 5/24 but Chase reps are definitely trained to frown on new accounts (which is understandable). Sorry for the denial. Compared to the general population, most of us have way, way more cards in the past year or two, so denials for this reason are not a surprise.

Probably a good idea to lay low on new accounts for several months and then try again. Although they reference a year, I think the immediately proceeding 6 months are what matter the most. If you garden for that long I'm sure you would be able to be approved.

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Agreed, but at this stage of the game, getting a Chase card isn't of great importance to me. (a) I have plenty of cards. (b) Chase's cash back features are nothing I can't get elsewhere, their UR rewards are probably too complicated for my tastes, and their base features, like fees and interest, are basically horrendous, and (c) I'm more interested in credit union cards now, than in getting hooked into a major bank.

But I am trying to garden, just because that will bring my credit scores up, and if I do succeed in going through a period of self restraint, I'll probably take another look at Chase's offerings. 

[AverageJoesCredit]

Pray that Comenity doesnt release a DC universe Visa siggy credit card ......I wonder how far one could fly with Superman and Comenity ?? Lol