Category Archives: Denial & Reconsideration

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

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

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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