Max Number of Chase Cards

[Anonymous]

Can I have more than 5 Chase Personal cards if I wait more than 24 months?

Thanks

Its friday, Eat Some PIZZA!

[simplynoir]

Chase doesn't limit number of cards but they do limit exposure. In any case unless you actually plan to use that many Chase cards I wouldn't recommend it. Don't give them any excuse to scrutinize your accounts with how twitchy they've been lately.

[coldfusion]

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@simplynoir wrote:

Chase doesn't limit number of cards but they do limit exposure. In any case unless you actually plan to use that many Chase cards I wouldn't recommend it. Don't give them any excuse to scrutinize your accounts with how twitchy they've been lately.

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This. 

It's not unheard of to hold more than 5 Chase cards simultaneously, but the most successful cardholders tend to have a roadmap choreographed and executed which includes planned spacing-out of applications and user-initiated credit line decreases to tightly manage total exposure. 

[jamesdwi]

Until recently I had 8 Chase credit cards, not including AU cards, last month Chase closed one of them for non-use. Now down to 7. 

Don't think they have a limit, if you have the income and credit score to deserve them. They do limit you to less than 50% of your annual income  in total credit limits across your chase credit cards. 

[Anonymous]

I am a little over the 50% mark. Recent southwest card I think pushed them to the max.

I want to PC to the Ritz Carlton card eventually.

I have a legitimate business and want to get the business marriott card before it goes away.

[Anonymous]

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@jamesdwi wrote:

Until recently I had 8 Chase credit cards, not including AU cards, last month Chase closed one of them for non-use. Now down to 7. 

Don't think they have a limit, if you have the income and credit score to deserve them. They do limit you to less than 50% of your annual income  in total credit limits across your chase credit cards. 

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Does the closed card have annual fee? I wonder if Chase will close non-use cards with annual fee. I don't use my IHG card regularly.

[Anonymous]

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@Anonymous wrote:

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@jamesdwi wrote:

Until recently I had 8 Chase credit cards, not including AU cards, last month Chase closed one of them for non-use. Now down to 7. 

Don't think they have a limit, if you have the income and credit score to deserve them. They do limit you to less than 50% of your annual income  in total credit limits across your chase credit cards. 

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Does the closed card have annual fee? I wonder if Chase will close non-use cards with annual fee. I don't use my IHG card regularly.

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I think it is ideal to use a card every 3-6 months. It's easy to automate it. Automatic top up Amazon balance > card on autopay.

Better safe than sorry

[Merlin3482]

Chase has no rule against more than 5 cards.

[jamesdwi]

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@Anonymous wrote:

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@jamesdwi wrote:

Until recently I had 8 Chase credit cards, not including AU cards, last month Chase closed one of them for non-use. Now down to 7. 

Don't think they have a limit, if you have the income and credit score to deserve them. They do limit you to less than 50% of your annual income  in total credit limits across your chase credit cards. 

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Does the closed card have annual fee? I wonder if Chase will close non-use cards with annual fee. I don't use my IHG card regularly.

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not likely, they know they will see activity on the card at least once a year, when you pay the fee. 

The card of mine that they closed was a  Chase Freedom, it started life out several years ago as an Amtrak card converted to Freedom a few years back, don't think i  used it even once in the last 4 years. They sent me an email about 2-3 months before it was closed, I moved $4000 of its credit limit to my CSR card and let it close, haven't been bothered to keep track of the 5% category in a while.