Chase Cards Back to Back?

[Anonymous]

Oh yeah, very little difference in SL between my two cards two months apart.

[Anonymous]

I applied for my Freedom Unlimited a little over 2 months after I opened my Freedom. For the Freedom Unlimited, I got a "just for you" offer on my online account. Chase has a 5/24 rule and you haven't told us anything about what other cards you have. If you've opened 5 credit cards in the last 24 months, you can't get a Chase card, and that applies to cards from all banks, not just Chase. Some people have gotten around 5/24 by apping when one or two of their cards, their newest one or two, haven't reported to the bureaus yet. Note though that business cards and retail cards don't count when counting for the 5/24 rule.

If you are under 5/24 right now, go for it if that's what you wanna do.

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US Bank Cash+ Visa Signature $5000 | Chase Freedom $1500 | JCPenney $1500 | Bank of America Cash Rewards $500 | Discover It Cash Back $3500 | American Express Blue Cash Preferred $6000 | Chase Freedom Unlimited $1500

[Anonymous]

I applied for the IHG Premier and Ritz (when it was still available) for around $35,000 in CL about 30 days apart and haven't had any issues. Of course I haven't app'd for any other cards since. I would definitely space them out a minimum of 30 days... hearing how they've been lately..

[Anonymous]

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@Anonymous wrote:

I applied for the IHG Premier and Ritz (when it was still available) for around $35,000 in CL about 30 days apart and haven't had any issues. Of course I haven't app'd for any other cards since. I would definitely space them out a minimum of 30 days... hearing how they've been lately..

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They recently (last few months) have become stricter on apps in a close period of time. I was instantly approved for a Freedom and Freedom Unlimited on the same day almost two years ago without any problems. Today, that wouldn't happen. I'm guessing your approvals were when they didn't care as much. 

[Remedios]

I forgot to mention and I  should have, after CSP approval, Chase did SP weekly for 6 weeks, probably because of how close my apps were. 

Freedom was first and not a single pull after that one. 

I'd wait at least 3 months if you want the card. Chase's computer gets quite twitchy 😐

[Anonymous]

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@Remedios wrote:

I forgot to mention and I  should have, after CSP approval, Chase did SP weekly for 6 weeks, probably because of how close my apps were. 

Freedom was first and not a single pull after that one. 

I'd wait at least 3 months if you want the card. Chase's computer gets quite twitchy 😐

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How do you know they were soft pulling your account every week? And how do you know it was because of the closeness of your apps rather than a factor like credit history/ income/ etc?

thanks

[iced]

Chase has no problems with two new accounts in a short period of time if your profile is otherwise satisfactory in their eyes. I applied for a Chase card in August 2016, was not instantly approved. Called in next day; turns out they just wanted to verify my identity and then approved for $30,000 on the phone. Two months later, I applied for a different Chase card and that time was instantly approved, also for $30,000. 

EX score was ok but not great. Chase did not seem bothered in the least by my applying for two cards back to back.

[kdm31091]

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@iced wrote:

Chase has no problems with two new accounts in a short period of time if your profile is otherwise satisfactory in their eyes. I applied for a Chase card in August 2016, was not instantly approved. Called in next day; turns out they just wanted to verify my identity and then approved for $30,000 on the phone. Two months later, I applied for a different Chase card and that time was instantly approved, also for $30,000. 

EX score was ok but not great. Chase did not seem bothered in the least by my applying for two cards back to back.

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Right, but again, things have changed since 2 and a half years ago. All Chase cards fall under 5/24 now, and Chase is very skittish about two apps in one day. There are many datapoints of shutdowns occuring after multiple Chase apps.

If someone wants to roll the dice, have at it. I just think there's enough evidence to say Chase isn't accepting of this behavior anymore.

[Anonymous]

I'm definitely the outlier here, so take my account with a grain of salt. I app'd for the Freedom card. Got the 7-10 message, but it was visible under my Chase App login in about 5 hours. Waited one day, then apped for the Freedom Unlimited. Same thing happened. Was paranoid they were going to close one, but they didn't. I'm now on my 2nd month with both cards, no issues. So, as always, YMMV but if you don't need it for 2.5 months, I'd probably wait the 2 months and app then.

[Remedios]

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@Anonymous wrote:

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@Remedios wrote:

I forgot to mention and I  should have, after CSP approval, Chase did SP weekly for 6 weeks, probably because of how close my apps were. 

Freedom was first and not a single pull after that one. 

I'd wait at least 3 months if you want the card. Chase's computer gets quite twitchy 😐

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How do you know they were soft pulling your account every week? And how do you know it was because of the closeness of your apps rather than a factor like credit history/ income/ etc?

thanks

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I know because I can see SPs on EX. 

Chase knows better than me what my income is and how much I spend, and obviously, with 2 HPs for each card, they are well aware of my credit history.  I was also over 5/24 with both apps, so I am sure there was a concern over "excessive credit seeking" on their end.  

 If what you listed was a big concern, it would have been a denial from the start or the SLs would have been a whole lot lower.