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How Long Do You Have to Garden for Chase Now

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redpat
Senior Contributor

How Long Do You Have to Garden for Chase Now

Well April is here and I think we will see less activity on the Approvals forum because of the 5/24 rule.

 

I have seen a denial for Marriott on credit pull database because of this.

 

How long do you have?

 

I have to wait until 4/17 but apping for Prestige may change that.

 

 

Personal Cards: Amex Delta Res | CSR | Citi AA Exec | Citi Strata Premier Business Cards: Ink+ | Amex BBP
Message 1 of 59
58 REPLIES 58
Anonymous
Not applicable

Re: How Long Do You Have to Garden for Chase Now

For me to be under 5 new cards in the past 2 years I will also have to wait until April 2017 - but that's cutting it close. If I wait until May 2017, I'll be golden.

Message 2 of 59
red259
Super Contributor

Re: How Long Do You Have to Garden for Chase Now

My apps are soo spread out so I don't know anymore. My last personal app was 3/5, but prior to that were some business apps which won't count against the 5/24. If I had to guess I have at minimum 9 months before I could go for another chase app and even in that scenario I think I would only be able to pick up one additional card. If I wait a year maybe I can get two cards. The problem is I intend to do future apps in another coupls of months and I don't see the value in passing on everything just for the chance to app for another chase card. I have or can PC into pretty much any chase card I want and the ones I did not pick up are not very high priority for me at this point and for the cards I currently have that I would want to churn there is no guarantee if I wait the signup bonus will be nearly as good. If chase came out with some longterm amazing signup offers then I might think about waiting but for people who have the actual chase cards they would want to use long term I don't see much incentive in waiting and foregoing every other lender out there. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 3 of 59
Anonymous
Not applicable

Re: How Long Do You Have to Garden for Chase Now

let's be honest, most of us will never be eligible for another chase card. LOL!

 

we need a garden club just for chase card holder aspirants dreamers! LMAO!

Message 4 of 59
red259
Super Contributor

Re: How Long Do You Have to Garden for Chase Now


@Anonymous wrote:

let's be honest, most of us will never be eligible for another chase card. LOL!

 

we need a garden club just for chase card holder aspirants dreamers! LMAO!


Not necessarily true. I'm at the point where I have most the cards I want and instead will likely be focusing on business cards for the most part, which won't impact 5/24 as long as they are not reporting on my personal credit. For people starting out or rebuilding then yes it is going to be a few years before they can get all the chase cards they want. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 5 of 59
redpat
Senior Contributor

Re: How Long Do You Have to Garden for Chase Now


@red259 wrote:

My apps are soo spread out so I don't know anymore. My last personal app was 3/5, but prior to that were some business apps which won't count against the 5/24. If I had to guess I have at minimum 9 months before I could go for another chase app and even in that scenario I think I would only be able to pick up one additional card. If I wait a year maybe I can get two cards. The problem is I intend to do future apps in another coupls of months and I don't see the value in passing on everything just for the chance to app for another chase card. I have or can PC into pretty much any chase card I want and the ones I did not pick up are not very high priority for me at this point and for the cards I currently have that I would want to churn there is no guarantee if I wait the signup bonus will be nearly as good. If chase came out with some longterm amazing signup offers then I might think about waiting but for people who have the actual chase cards they would want to use long term I don't see much incentive in waiting and foregoing every other lender out there. 


This could slow everyones roll with other apps if they really want a Chase card though.

 

watch the Ritz 160k will come out now, what a ball buster that would be, lol.

Personal Cards: Amex Delta Res | CSR | Citi AA Exec | Citi Strata Premier Business Cards: Ink+ | Amex BBP
Message 6 of 59
red259
Super Contributor

Re: How Long Do You Have to Garden for Chase Now


@redpat wrote:

@red259 wrote:

My apps are soo spread out so I don't know anymore. My last personal app was 3/5, but prior to that were some business apps which won't count against the 5/24. If I had to guess I have at minimum 9 months before I could go for another chase app and even in that scenario I think I would only be able to pick up one additional card. If I wait a year maybe I can get two cards. The problem is I intend to do future apps in another coupls of months and I don't see the value in passing on everything just for the chance to app for another chase card. I have or can PC into pretty much any chase card I want and the ones I did not pick up are not very high priority for me at this point and for the cards I currently have that I would want to churn there is no guarantee if I wait the signup bonus will be nearly as good. If chase came out with some longterm amazing signup offers then I might think about waiting but for people who have the actual chase cards they would want to use long term I don't see much incentive in waiting and foregoing every other lender out there. 


This could slow everyones roll with other apps if they really want a Chase card though.

 

Whatch the Ritz 160k will come out now, what a ball buster that would be, lol.


Oh bite your tongue! I held out as long as possible for the Ritz offer to come back and ended up going with the marriott card. I soo wanted the ritz card with the high signup. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 7 of 59
Anonymous
Not applicable

Re: How Long Do You Have to Garden for Chase Now

I have most of the cards I need, a few I'm consolidating, but in the next 18 months I'm going to work on a couple LOC's and perhaps a new card every 6 months if any stand out.

When I'm within the 5/24 rule I'm going to pickup the CSP!

Going to try for the Ink Plus in 3 months, unless it's added to the 5/24 rule.

Message 8 of 59
EdMan63
Established Contributor

Re: How Long Do You Have to Garden for Chase Now


@Anonymous wrote:

let's be honest, most of us will never be eligible for another chase card. LOL!

 

we need a garden club just for chase card holder aspirants dreamers! LMAO!


Not here. I have most of what I want. I can app for more Chase cards 3/17 if I wanted but I don't need anymore Chase cards or really any card. 


Message 9 of 59
Anonymous
Not applicable

Re: How Long Do You Have to Garden for Chase Now

Haha seems like everyone is about a year out. Best case I'm middle of March 2017. Worst case, because of how they may count 24 months,(whether it's to the day or month, April 2017. Luckily realistically I'm about as set as can be (without the freedom and unlimited)
Message 10 of 59
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