Category Archives: Denial & Reconsideration

Can You Get the Barclaycard Arrival Plus If You Have the No-Fee Arrival Card?

With the all-time highest bonus ever on the Barclaycard Arrival Plus, folks have asked whether it’s possible to get this card if they have an existing no-annual-fee Barclaycard Arrival card (not currently available online for applications).

That’s because many of us who’ve had the Barclaycard Arrival Plus in the past have downgraded it to the no-annual-fee version after the first year.

Unfortunately, Barclaycard now considers the no-annual-fee Arrival and the Arrival Plus to be the same card product.  So if you currently hold the no-annual-fee Arrival, your online application will likely automatically be denied.

Get Barclaycard Arrival Plus With No Fee Arrival

Use Miles From the Barclaycard Arrival Plus Toward Statement Credits for Paid Travel Purchases of $100+, Including Rental Cars!

But it may be possible to get around this restriction.  I’ll explain how you can get the Barclaycard Arrival Plus with the no-fee Arrival card.

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Important Card Rumor Is Now a Fact

Our worst fears have been confirmed.

The Chase Sapphire Reserve is the most exciting travel rewards card I’ve seen in a long time.  And via Doctor of Credit, this card falls under Chase’s strict new application rules. 🙁

Chase 5/24 Rule

It’s True! The Chase Sapphire Reserve Is Subject to the “5/24 Rule”

I’ll remind you of the rules, and tell you what you can do.

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How Chase Private Client Helps Get the Sapphire Reserve

Have I mentioned how excited I am about the amazing 100,000 point sign-up bonus on the Chase Sapphire Reserve card?  🙂

But I know some folks are disappointed this card is impacted by Chase’s “5/24 rule.”  Because many people in the miles and points hobby apply for new credit cards every few months.  So they’re not able to take advantage of this new offer.

That’s why I wanted to tell you how becoming a Chase Private Client could help you bypass Chase’s tougher application rules.  Million Mile Secrets team member Keith used this method to get approved for the Sapphire Reserve because he’s had more than 10 new cards in the past 24 months.

Chase Private Client Sapphire Reserve

Becoming a Chase Private Client Could Help You Bypass Chase’s Tougher Application Rules and Get You Approved for the Sapphire Reserve Card!

The Chase Private Client program might not be for everybody, but I’ll explain how it works!

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Reader’s Chase Small Business Card Approval Experience With 5/24 Rule

Emily and I love to share secrets to help folks get Big Travel With Small Money.  So we’re very grateful when readers send us tips about their successes.

Million Mile Secrets reader Gerry sent us his experience applying for the Marriott Rewards Premier small business card.  Even with the stricter Chase card approval rules, he was approved, despite having more than 20 new credit cards in the past 24 months.

This is great news!  Because Chase has some of the best points and miles cards.  So finding an exception to the Chase approval rules might help other folks with card applications in the future!

Readers Chase Small Business Card Approval Experience With 524 Rule

It’s Fantastic to Hear Folks Like Million Mile Secrets Reader Gerry Getting Chase Cards Even With Stricter Approval Rules

I’ll share Gerry’s experience!

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Card Application Pending? Don’t Worry, Follow These Steps

Million Mile Secrets reader Keith commented:

Is it normal to say “application pending” after applying for a credit card online?

Great question, Keith!

Many folks (including myself) who apply for lots of credit cards have seen this message before.

Application Pending Don't Worry Follow These Steps

Don’t Let a Pending Application Stop You From Earning a Sign-Up Bonus

If it’s your first time seeing this, have no fear.  I’ll explain what to do about it and why this message might appear!

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