All of the major card issuers have restrictions in place when it comes to approving people for their products. This can come in many forms, and for many people it can be tricky to keep up with the latest rules.
Continue reading: Chase’s New Card Application Eligibility Pop-Up
Share your questions, experiences, and thoughts below.
Do you have to fill out the application form and actually submit it for this popup to appear? I wanted to test it so I completed the application but didn't actually submit and I never saw a popup.
They wouldn't be able to preemptively warn you about a 5/24 situation, given that they would need to run a credit report to know the status. They could have a popup related to the 24/48 month bonus rule though.
chase and amex seem to be sharing notes lately (especially with regard to marriott/spg). i wonder if there is some kind of "anti-gaming" partnerships the card companies are starting...
@Bill: Sure, they could do a soft pull to see if you meet 5/24. The question is, will they bother?
If I were Chase, I probably wouldn't - for the same reason that, if I were an airline, I wouldn't bother investing much in making it easy to redeem frequent flier miles. There's no profit in it.
I certainly got two Chase welcome bonuses within 24 months or so.
100K for the Sapphire Reserve and 80K for the Ink Business
@ Tom -- Absolutely, there's nothing restricting someone from doing that, as those are different cards, and aren't in the same "family".
Have other people had trouble with getting the SPG Amex bonus? I tried to apply before it closes and got the popup that I was ineligible for the bonus. I've never had a Marriott or SPG card before, and only have two Amexes (and have never closed one) - my only guess is that they're dinging me because I spent to earn the bonus on each Amex I have and haven't put material spend on them since earning the bonus. Does anyone know if I'm likely to see this for other Amex cards, and what I can do to get eligible?
@ian - American Express and Chase aren't sharing anything with each other in this instance.
It's been confirmed that Chase and American Express report cardholder signup data to Marriott and that each of them fetch data from Marriott to determine eligibility.