Chase Summaries

What Is Chase 5/24 Rule and How to Bypass It (2021.8 Update: Fixed APR, Green/Black Star Offers No Longer Bypassing 5/24)

and 2021-08-19 2021-08-19 236 Comments

2021.8 Update: Data points are starting to trickle in on Reddit and DoC showing that fixed APR applications are no longer bypassing the Chase 5/24 rule. This includes Green Star/Black Star “Selected for You” and Pre-approved/Pre-qualified offers that would show up on the Chase app and website. The result of submitting an application is immediate denial and no evidence of…
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Chase Summaries

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Chase Sapphire Preferred/Reserve Churning Rule Changed from 24 Months to 48 Months

2018-08-27 2018-10-21 10 Comments

Update: It seems referral links still show the old 24-month term. Get it while you can. Dead now. Previously, Chase Sapphire Preferred (CSP) and Chase Sapphire Reserve (CSR) have a churning rule: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus…
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Chase Summaries

Summary of Marriott & SPG Co-branded Credit Cards Bonus Limits

2018-08-26 2019-07-17 12 Comments

Starting from Aug 26, 2018, AmEx and Chase work together to limit the bonuses on their Marriott & SPG co-branded credit cards. Now AmEx SPG cards can affect the eligibility of Chase Marriott credit cards, and vice versa. Here’s a summary of the limits. Chase Co-branded Credit Cards Chase cards have their own limits: Chase 5/24 rule: Chase Marriott Premier…
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AmEx Summaries, Chase Summaries

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New Chase Application Rule: Auto-Decline for Any New Sapphire Product If You Currently Hold One

2017-08-28 2017-08-28 0 Comments

UPDATE: According to DoC, in addition to the changes posted below, cardholders now also have to wait 24 months from getting the signup bonus on a Sapphire product before getting another signup bonus on an additional Sapphire product. This clock starts once the bonus is issued. Additionally, there will be no changes to current cardholders with multiple Sapphire products. According…
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Chase Summaries

Chase Ink Preferred Referrals Now Available! 20k UR per referral!

2017-05-03 2017-05-03 6 Comments

The Chase Ink Preferred business card is now available for participation in the Chase Refer-A-Friend program. The referrer will receive 20,000 Ultimate Reward (UR) points per referral up to 100,000 UR per year. The referred will receive the standard public offer of 80,000 UR after spending $5,000 in 90 days. To generate referrals for an eligible Chase account, click here. Once you…
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Chase Summaries

Exclusive: How to get the Chase IHG 80k + 5k + $50 offer (This Method Is Now Dead)

2017-03-17 2017-04-29 8 Comments

2017.4 Update: According to recent data points, this method is now dead. It worked for about 3 weeks. Chase IHG Credit Card has always been one of the best cards that we recommend to keep, mainly because you can receive an annual IHG Free Night without any category restrictions from the second year after paying $49 annual fee. Using the annual…
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Chase Summaries

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How to Avoid Chase Closing All Your Accounts

2015-10-17 2017-09-15 60 Comments

Previously, we introduced the risk monitoring method by AmEx: Financial Review (FR), of which many churners are wary of. Today we are going to tell something more nightmare-inducing: Chase may close all your credit card accounts!! A-L-L credit card accounts! We write not to scare you, but instead to help you find the right way to establish a good relationship with banks!…
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Chase Summaries

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Chase Frequently Asked Questions (FAQ) (2015.6 Update)

2015-05-29 2018-06-21 1 Comment

I. About Credit Card Application: 1. Is there a limitation for the number (or credit limit) in Chase cards? Generally, there is no limitation of the number of card. But there is a limitation for everyone’s total credit limit in Chase. A common reason for applicants being rejected lies in excessing the total credit limit. If so, you could transfer…
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Chase Summaries

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