Category Archives: Denial & Reconsideration

Could a Pending Application Impact the Sign-Up Bonus You Receive?

Million Mile Secrets reader, Donna, commented:

I applied in-branch for the Chase Sapphire Reserve the day before the sign-up bonus was reduced.  My application was not immediately approved.  If I’m approved for the card after the expiration date of the higher sign-up bonus offer, what sign-up bonus will I receive?

Fantastic question, Donna!

If you’re approved for a card after your application was pending, you’ll receive the sign-up bonus that was available on the day you applied for the card.  

But to avoid any issues, I always recommend you take screenshots of credit card offers during the application process.  And if you apply in-branch, the banker should give you paperwork with the sign-up bonus details for your new card.

Could A Pending Application Impact The Sign Up Bonus You Receive

If You’re Approved for a Card After a Pending Application, You’ll Earn the Sign-Up Bonus Available on the Day You Applied

I’ll explain what you should know about earning a sign-up bonus with a pending credit card application.

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Which Sign-Up Bonus Will You Earn If Your Card Application Is Approved After a Limited Time-Offer End Date?

Million Mile Secrets reader, Amanda, commented:

I applied for the limited-time AMEX Starwood sign-up bonus on the last day of the offer.  But I was approved the day after the offer ended when the sign-up bonus decreased.  Will I earn the higher sign-up bonus?

Great question, Amanda!

Lots of folks wait until the end of a limited-time offer to apply for a card.  And this could be the reason your application isn’t instantly approved.

But as long as you submit your card application before the limited-time offer ends, you’re eligible to earn the sign-up bonus that was available on the day you applied.

Limited Time Offer Card Approval

Many Limited-Time Offers Can Quickly Boost Your Miles & Points Balances

I’ll remind y’all what you can do if you have a pending credit card application.  And tips to make sure you earn the sign-up bonus you applied for!

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Give Yourself the Best Chance of Approval for the Ink Business Preferred!

If you like Chase Ultimate Rewards points as much as I do, you’re probably interested in the new Ink Business Preferred card from Chase!

The new Chase Ink Business Preferred card comes with 80,000 Chase Ultimate Rewards points after completing minimum spending.  You can get Big Travel with the sign-up bonus by transferring the Chase Ultimate Rewards points to airline & hotel partners!

Chase Ink Business Preferred Approval Tips

Transfer 80,000 Chase Ultimate Rewards Points to United Airlines and Get a Free Trip to Cape Town!

I’ll give you some tips to make sure you have the best possible chance to be approved.

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What to Do if You’re Not Eligible for the Chase Sapphire Reserve Bonus!

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

Are you disappointed in not getting approved for the Chase Sapphire Reserve because you’ve opened ~5+ credit cards in the last 24 months?

Or maybe you’re uncertain if Chase will approve you and aren’t sure what to do?

The good news is, there are still ways to earn Big Travel with Small Money with Chase and other bank cards.

Cant Get Chase Sapphire Reserve

Can’t Get the Chase Sapphire Reserve? You Still Have Options!

I’ll share strategies to help you decide what to do.

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Does the 5/24 Rule Apply to Denied Credit Card Applications?

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

Million Mile Secrets reader, Seth, emailed:

If my application is denied for the Chase Sapphire Reserve, will Chase still count it against their “5/24 rule“?

Seth wants to know if Chase’s stricter application rules include all credit card applications you’ve submitted, including the unsuccessful ones.

The answer is NO!  As long as you weren’t approved for a new card, it will NOT affect your chances of being approved for other Chase credit cards.

Does The 5/24 Rule Apply To Denied Credit Card Applications

Chase Offers Valuable Travel Rewards Cards That Can Take You All Over the World. And They Only Count Cards You’ve Successfully Opened for Cards With Tighter Application Rules

I’ll explain this detail about Chase’s application rules.  And what to do if you’re denied.

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New Bank of America Rules – 90 Day Wait to Apply for Same Card Product

Many of us in the miles & points hobby like Bank of America, because it’s been relatively easy to earn the sign-up bonus again from their cards.

In the past, folks were able to get a second (or third, or more) Bank of America Alaska Airlines Visa Signature® Card so long as they waited at least 30 days after their last approval for the same card.

But it appears Bank of America has changed the rules.  Now, your application will be automatically rejected as a duplicate if you’ve applied for the same card in the past 90 days.

New Bank Of America Rules 90 Day Wait To Apply For Same Card Product

Alaska Airlines Miles Are Great for Booking Award Flights on Partners Like Cathay Pacific. But Now You’ll Have to Wait Longer Between Card Applications!

However, there may be exceptions to the rule.  I’ll explain!

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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

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

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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