Chase

Tag Archives for Chase.

New hope for breaking free of 5/24 after all?

Breaking 5/24

This morning, Greg posted about his latest attempt to bypass 5/24. In that post, he details the process of applying through a BRM (Business Relationship Manager) and the outcomes of the process as he faced initial rejection and filed for special consideration. Some readers questioned whether or not his rejection could be considered yet again or whether the key reason was in fact 5/24. Maybe Greg will take it back up with Chase when he…

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My latest attempt to bypass 5/24

Flying under 5/24

In April, Doctor of Credit posted a “New Way To Bypass Chase 5/24.”  I was intrigued.  I wanted to get Chase’s new Ink card: the Ink Business Preferred for it’s 80K signup bonus and 3X categories, but I was way over 5/24 (Chase won’t approve applications for many of their cards if the applicant has opened 5 or more cards in the past 24 months). The trick that Doctor of Credit described was to apply…

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How to count your 5/24 status from your smart phone

With the introduction of its unofficial 5/24 Rule, Chase has made life much harder for those who like to frequently sign up for credit cards to get the signup bonuses.  With the 5/24 Rule, Chase denies most application in which the applicant has opened 5 or more cards in the past 24 months. And we’re not just talking about Chase cards here.  All issuers count.  If you’ve never opened a Chase card in your life,…

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Ultimate Rewards Questions Answered

My post earlier this week about product changing to the Ink Cash card online generated a surprising number of questions via comments and social media.  Clearly, many details about Ultimate Rewards cards are unclear.  So, let me clear it all up with a brief intro to the Chase Ultimate Rewards family tree, and a series of questions and answers… Ultimate Family Tree Chase offers three families of Ultimate Rewards cards: Sapphire, Freedom, and Ink Business,…

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Switch to Ink Cash online

To celebrate Memorial Day, here’s a quick and easy post (easy to write and, hopefully easy to read).  If you have the Ink Business Preferred or Ink Plus card and no longer want to pay the $95 annual fee, you can change to the no-fee Ink Cash card simply by sending Chase a secure message online. Full details about the Ink Cash Business Card can be found here.  The short version is that the card…

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Chase mobile wallet promotions: get a statement credit for grocery store purchases

As reported earlier this week at Doctor of Credit, there are several offers out from Chase to earn a statement credits after making 5 purchases at grocery stores with a mobile wallet. The offers are available on the Chase Freedom card (appears targeted), the Chase Ritz-Carlton Rewards card, and the Chase Marriott Rewards Card (personal version). They are as follows: Chase Freedom card The offer Get a $15 statement credit when you pay 5 times at…

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Dodging 5/24. What works, what doesn’t, April 2017.

Dodging 5/24

Most Chase credit cards fall under their dreaded “5/24 Rule”.  That is, Chase will deny your application if you have opened 5 or more credit card accounts in the past 24 months (see: How to count your 5/24 status).  Included in the count are cards from any bank (not just Chase), as well as cards in which you are an authorized user. What follows is a list of approaches for bypassing 5/24, along with an…

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Going for the latest 100K Ultimate Rewards business card offer despite 5/24

The Chase Ink Business Preferred card rolled out in the fall of last year with a mighty 80,000 point signup bonus.  I’ve been eager to get the card, but Chase’s 5/24 Rule has been a roadblock.  For most of their cards, Chase won’t approve your application if you’ve signed up for 5 or more cards from any bank within the past 24 months.  And I’m way over 5/24.  I’ve asked a couple of times in-branch…

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