cancel
Showing results for 
Search instead for 
Did you mean: 

Chase 5/24 who has been the exception?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Regular Contributor

Chase 5/24 who has been the exception?

So just curious if people have applied and got approved with more than 5 accounts opened in 24 months.

I've seen people posting about getting cards approved with more than 5/24 .

If so post how many accounts and were they store and credit cards.





img
14 REPLIES 14
Super Contributor

Re: Chase 5/24 who has been the exception?

Chase customers get approved beyond 5/24 by branch offers, online offers (green checkmark), and offers in Credit Journey. 

 

Its extremely rare for a non-Chase customer to get past 5/24. If you think you have a good case, go for the card and be prepared to spend some time talking to recon. Worst case scenario you waste 2 HPs and better luck next time. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 2 of 15
Highlighted
Regular Contributor

Re: Chase 5/24 who has been the exception?

Saw someone post earlier in the week that they were selected in the branch for a FU but was denied so applied cold for the sapphire and was approved.

Also read a few other posts about being approved while being over 5/24 recently. I'm curious if any others have tried and what the outcome was.





img
Message 3 of 15
Highlighted
Super Contributor

Re: Chase 5/24 who has been the exception?

I mean there are always people who squeak by but they’re almost always existing Chase customers. That seems to be the best way to get around 5/24. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 4 of 15
Highlighted
Regular Contributor

Re: Chase 5/24 who has been the exception?

Thinking of being a Guinea pig. I have a chase card with my wife I'm an AU. SW rewards cl 12k.

Ex 704
Tu 673
Eq 643





img
Message 5 of 15
Highlighted
Community Leader
Mega Contributor

Re: Chase 5/24 who has been the exception?

Do itSmiley Happy We luv Guinea PigsSmiley Happy
Message 6 of 15
Highlighted
Super Contributor

Re: Chase 5/24 who has been the exception?


@Titanup wrote:
Thinking of being a Guinea pig. I have a chase card with my wife I'm an AU. SW rewards cl 12k.

Ex 704
Tu 673
Eq 643

I would have guinea pigged a long time ago if I didn’t have a BK on file. Auto rejection. 

 

643 might be a bit low though. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 7 of 15
Highlighted
Community Leader
Senior Contributor

Re: Chase 5/24 who has been the exception?

I can’t speak from personal experience, but from what I can tell, preapproved or green check marks can get approved no matter what/24 lol 

Discover It: 19.7k
Amex ED: 16k
Citi DC: 6.7k
Amex BCE: 4k
Citi Rewards+: 3.6k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 8 of 15
Highlighted
Senior Contributor

Re: Chase 5/24 who has been the exception?


@Titanup wrote:
Saw someone post earlier in the week that they were selected in the branch for a FU but was denied so applied cold for the sapphire and was approved.

Also read a few other posts about being approved while being over 5/24 recently. I'm curious if any others have tried and what the outcome was.


Are you referring to this thread?  Chase Sapphire Pref Approved

If you are, its unclear whether the poster had an "in branch pre-approval" for the Freedom card that he applied for at the branch.  A "Selected for You" offer received online does not carry the same weight as an "in branch pre-approval."

 

I've been approved for Chase credit cards while over 5/24; my most recent approval was for a CSR while at 15/24.  But I'm a Chase customer and I only apply when I have "in branch pre-approvals" since that's the only guaranteed way to bypass the 5/24 rule.

 





Message 9 of 15
Highlighted
Super Contributor

Re: Chase 5/24 who has been the exception?


@MaizeandBlue wrote:

  A "Selected for You" offer received online does not carry the same weight as an "in branch pre-approval."

 

I've been approved for Chase credit cards while over 5/24; my most recent approval was for a CSR while at 15/24.  But I'm a Chase customer and I only apply when I have "in branch pre-approvals" since that's the only guaranteed way to bypass the 5/24 rule.

 


well, Looks like I'm going to have to drop by my local Chase branch once n a while. Since I am Like @AJC/24

Message 10 of 15
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.