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Possible Exceptions to the New Chase Approval Rules

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Possible Exceptions to the New Chase Approval Rules

Million Mile SecretsPossible Exceptions to the New Chase Approval RulesMillion Mile Secrets Team

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Thanks to Million Mile Secrets readers for sharing your comments and recent experiences applying for Chase cards.

I wrote about the rumored new Chase card application policies, and what we know so far.  Chase has NOT officially shared any details.

But there are good discussion points from our readers!  And some folks are still getting approved even with lots of recently opened cards.

Possible Exceptions To The New Chase Approval Rules
Some of Our Readers Are Still Getting Approved for Chase Cards Despite the New Rules

Let’s look at some of the new information from Million Mile Secrets readers!

Not a Hard and Fast Rule?

Link:   New Rules for Chase Credit Card Approvals & What to Do About It

The new Chase approval rule seems to be that if you’ve opened 5 or more credit card accounts (with any bank!) in the past 24 months, you will likely NOT be allowed to get a new Chase Sapphire Preferred, Ink Plus, Ink Cash, Freedom, or Slate card.

But you may be approved for other Chase cards.

Here are some folks who’ve shared what look to be exceptions to this rule!

Very Recent Card Applications

Million Mile Secrets reader Jonathan wrote:

In a panic I just tried signing up for Chase Sapphire Preferred after signing up for 6 cards 4 days ago, and I was just approved.  I have applied for credit cards a couple years ago too.  So not all hope is lost.

That’s great news, Jonathan!

This gives hope to folks who very recently applied for a lot of cards.

Possible Exceptions To The New Chase Approval Rules
Jumping for Joy? Reader Jonathan Got Approved for a Chase Sapphire Preferred Despite Applying for 6 Cards Just 4 Days Ago

From what I can tell, Chase looks at the number of new accounts on your credit report in the past 24 months.  While a credit inquiry or “pull” usually shows up on your credit report within 1 to 2 days, it often takes longer for a new account to appear on your report.

Chase probably did not see your new cards as 4 days is a very short period of time.  You likely haven’t even received your new cards in the mail!

Approved With 7 Cards in Past 6 Months

Our reader Jeff remarked:

Decided to press my luck and just applied for the Chase Sapphire Preferred.  I really wanted to be able to transfer points.  Application was approved!

That makes my 7th card in the past 6 months and my 4th Chase product.  Not sure how I got through the new approval process.

Terrific, Jeff!

I have an idea why you may have been approved, and so does fellow reader Dawn, who suggests:

Perhaps the discrepancies are due to the different credit agencies that Chase chooses to pull from?  Credit bureaus report differently, so maybe that is why some are able to get approved and some not?

At any rate, I got the Chase British Airways in November, the Chase Sapphire Preferred this past March, and then Chase Ink Plus in May.  Won’t try another Chase anytime soon, but SOOO glad I got that Chase Sapphire Preferred under the wire!

Dawn, I think you’re on to something here!

Possible Exceptions To The New Chase Approval Rules
Super Sleuth Reader Dawn Suggests Chase May NOT See All Your Recent Cards, Depending on Which Credit Bureau They Pull

There are 3 main credit reporting agencies most banks use to decide whether to approve you for credit:

Depending on where you live, the issuing bank, and even the type of card, lenders may pull your report from 1 or more of these bureaus.

And Doctor of Credit has compiled a partial list of which credit agencies Chase uses based on state and type of card.  Or you can check the Credit Pulls Database and search for Chase and your state.

In Jeff’s example, it’s possible that his previous 7 card applications were spread out among all 3 credit bureaus.  And if Chase only looked at ONE credit bureau when deciding to approve him for the Chase Sapphire Preferred, they may have only seen a couple of new accounts!

Possible Exceptions To The New Chase Approval Rules
What Will Chase See When They Pull Your Credit Report?

To see all 3 of your credit reports for free once a year, visit Annual Credit Report.  That way, you’ll see which of your card applications show up on each report!

It’s a good idea to view your credit reports frequently, anyway.  And by doing so you’ll be more informed about your likelihood of being approved for Chase cards!

Approved for Airline or Hotel Cards

Here’s another positive comment from reader John Caffrey:

Apparently, this policy also applies to the Chase British Airways card although I finally got approved after talking to 3 different Chase personnel.  Yes, I have gotten many more than 5 new credit cards within the past 6 MONTHS and I have MORE than 5 Chase branded cards.

However, I always pay the balances off each month and never have more than a combined $10,000 owing at any 1 time.  Chase suggested that my combined credit line was already in excess of $75,000 so they suggested I decrease my credit line on Chase Sapphire by $10,000, and use that $10,000 on the new British Airways card.

That might suggest a solution for other folks; maybe it is not the sheer number of cards but the aggregate amount of the credit line.  Ask that the credit line on older cards that you don’t use any more be reduced and you might then be able to apply for a new card.

That’s great information, John!

And it’s confirmation that there’s still hope for folks who are able to move credit lines around to get approved for cards.

Possible Exceptions To The New Chase Approval Rules
Some Readers Are Still Getting Approved for Chase Airline and Hotel Cards, so There’s Hope!

I haven’t heard of this technique working for Chase branded cards, though.

That said….

Calling Reconsideration May NOT Be a Good Idea

Reader Angela reports:

I also read elsewhere that some people calling the reconsideration lines were being denied and forced to close down other accounts.  The suggestions on FlyerTalk were that if you have several Chase cards and get turned down, NOT to call reconsideration, because you might be forced to close a card.

Angela, thanks for sharing this important note.

Possible Exceptions To The New Chase Approval Rules
Calling Reconsideration Might NOT Be the Best Idea Until We Have More Information

I really hope that’s not the case.  If you’ve experienced this, please let me know in the comments.

This Is a Fluid Situation

Until we hear some sort of official policy change from Chase, the best thing to do is continue to share information.  I’m thankful so many Million Mile Secrets readers are contributing their stories!

Meanwhile, read my tips on how to approach applying for Chase cards now that they’ve changed the rules.

And please, continue to add your experiences to the comments!

Bottom Line

There are new rules for Chase credit card applications that have made it harder for folks with 5+ new credit cards (from any bank) in the past 24 months to be approved for the Chase Sapphire Preferred, Freedom, Ink Plus, Ink Cash, or Slate cards.

Million Mile Secrets readers have shared their experiences, and some say they’ve been approved for these cards even with many recent new card accounts.

It could be that Chase was unable to see all the cards on the credit report they pulled.  Or that there’s some wiggle room in the interpretation of the rules.

I wish I had more concrete information to share.  But until Chase officially reveals their new policies, please continue to comment and contribute your recent Chase card approvals and denials.

Thanks for being the best blog readers in the world!

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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In the ever moving way to try to get the most UA or AA mikes per $ charged, BPPR Infinite Visa is th eonly one I know of that will give ytou 1.5 miles/$ charges (irregardless of the $, an AA charge, a hotel charge, ANY CHARGE.)

Recently, the chase Freedom Ultimate Card gives 1.5 URpoints, which can then be turned into UA miles. Since htis is a non annual fee card, you do have to give up the 5 x’s quarterly bonus, hwich some people get close to 7,500 points/ quarter out of, but I can’t keep close enough track to follow a quarterly bonus, and am not likely to, say , purchase 1,500 of gas in one quarter to maximize the award, so the Chase Ultimate Freedom s a great card for me. I get 1.5 UR points (since it’s attached to another Chase card, such as a Chase Plus businesssor a Chase Sapphre Preferred card), I get1.5 points for hyatt, singapore, korean, marriott, etc. or 1.5 miles for United. It is a non brainer for me for most charges. Glad I kept it open when lowering card limits to get approved for a Sapphire Preferred 3 years ago, since that card is SO difficult to get these days if you get more than 5 cards in 2 years from ANY bank. WHy in the world they decided that was the arbitrary number of new cards to get, regardless if a very good credit score or no late payments is beyond me, but they did. I was able to get in on the 87,500 point Marriott Personal card offer, althought in retrospect, I should have applied for the sapphire preferred first, not after this offer. Oh well. I suppose one of these years I will get a sapphire preferred (if you are wondering I share this hobby with my sister and shei is the one with the Chase products that allow her to get UR points through Freedom Unlimted Rewards.) Chase is very strict, however. Best to really know you stuff, look at where they pull reports for a region and see how many inquiries/new cards you have on a specific report prior to wasting a hard pul to try to get a chase product (would love to get the 70,000 private offer for Mileage Plus UA Chase card, which is suppose to be easier than the Chase non co-branded offers, but not sure I will be able to.) Probably will apply as it’s the highest offer I have seen. Chase appears to give Premier members a boost of 20,000 over their best offer, so when it was 30K, premier members got 50K, now that it is 50K, premier members are getting 70K for a new account, pllus non annual fee 1st year and primary rental car coverage in US (and the rest of the world, with the exception of a few countries.)

I was just denied for the Chase Sapphire due to having opened 8 accounts within the past 24 months. I have 7 other credit cards with Chase and offered to move credit around as I have about 60k in credit available between all of my cards; and she stated that unfortunately she’s unable to accommodate a reconsideration for too many accounts and that I should be fine to reapply in December of this year (which coincidentally would be the time that I have 4 new accounts in 24 months). No request to close or reduce any other credit lines, and she hoped I enjoy the cards I have.

I applied for a Sapphire preferred card. I was surprised I was declined, as I had not had major problems with Chase in the past. I did open two co-braded counts (really wish I had done it the other way around) early summer, IHG and Hyatt, as well as a Marriott Business. BUT THIS WAS 6 MONTHS LATER!

AT any rate, since all my accounts are paid in full every month (usually between month to keep my % of credit below 5% (something I CAN control) and my last 2 public records finally came off my credit reports, I was a bit miffed. I offered to close both the IHG and Hyatt card, as I don’t see myself using those much in the future. I LOVE my Ritz card as after the $300 ANY airline credit / year, it’s effectively $95 /year annual fee (and got me a Comp to a suite in Santiago on a TA fare in February! Unbelievable. Also Gold status the first year and thereafter with a modest spend $10 K. I have had my v=best upgrade experience with Marriott/Renaissance/Ritz Products. At any rate, since I have about $35K with Chase and no checking (long story-won’t born you-well, it’s kind of funny, I was doing spending in Dec. 2 years ago and so was my associate cardholder in another city in upstate NY and because I live in Miami/Dade, they closed my account because they ASSUMED the frequent cash deposits and withdrawals were drug related…. LOL. No such luck. I sure don’t have a drug dealer’s cash flow…. LOL. What idiots. SOOOOO, I wrote a letter to the executive offices, saying it was counter-initiative to refuse to let a client LOWER his exposure to Chase, even if it meant opening a new -1 account of moving some of my large R-C line over to do so. My sister has never been declined, but does have a checking account and very good FICO score, mine is solidly good. So, who knows? Will certainly post if I get the card and 3 people’s decision is overturned, otherwise, I won’t and will be a bit depressed (Especially with the 50+5 K bonus going on now.)

I applied for a Chase British Airways card today and was told to call in as they need more info to decide. I applied for 3 other cards today and got them all instantly( Citi AA, BOA Alaska, and Barkley Hawaiian Air}. I’m afraid to call Chase because of the chance they will interrogate me as to why I apply for 3-4 cards every 3 months. the last chase card I applied for gave me a similar need more info please call response. I ignored it and got a letter with card approval and message that they had closed an old account I wasn’t using and used that credit line to open the new card. I’m hoping that happens here. Should I call or wait and see?

Just got approved for the Chase Ink Plus, even with 6 new cards opened within the past year.

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