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You mentioned getting shot down in-branch while over 5/24.
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That should give you a good idea whether you’re under 5/24 and ready to apply.
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It’s more complicated than you’d think and it’s good to know where you stand.įrequent Miler has a good suggestion in this area which is to use the free Experian app. What about store credit cards (like a Banana Republic card)? Yes. Are small business cards considered new account? Mostly no. Do they consider account you’re an Authorized User on as a new account? Yes. But still, it may not be 100% clear how many new accounts Chase will think you have when you go to apply for a new card. Jim mentioned the free credit monitoring service CreditKarma, which I use too. If you’re right on the edge of 5/24 you may want to know for sure how many new accounts you have. There are a few Chase cards not subject to 5/24 but the cards we’ll be discussing in this post are all subject to 5/24. This rule applies to all Chase Ultimate Rewards cards, including the Sapphire Reserve Jim is considering. When we talk about 5/24 we’re referring to Chase’s famous rule that they won’t approve you for a new Chase card if you’ve opened for 5 or more new cards across all banks in the past 24 months. I appreciate the opportunity to kick around some ideas for you to consider.īefore we get into it I’d like to review a few foundational items for readers that may be newer to the game. You’re certainly not new to the game with the premium cards you have already. Robert: Hey Jim, thanks for the great question. I also have an AmEx Business Platinum and a Citi Prestige, so I may be getting a little heavy on premium cards.” I also have a Chase Ink, but no other Ultimate Rewards cards. What am I missing?īetween us we have around 170,000 URs. It’s kinda hard for me to justify the $150 fee (annual minus travel credit) when the only benefit is the heightened % on dining (which again, I’m using as an AU). Though Chase is dipping its toe in Amex-like “Offers”, it hasn’t hit this card yet and I really value that perk with AMEX. The *only* appeal of this card for me is the 3% dining bonus, which I already take advantage of as an AU. Should I wait for a better sign-up bonus?