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Answers (5)

Wait 1 year for CSR?

Wait 1 year for CSR?

  1. Anonymous

    Hello,

    I just started leveraging credit cards for travel benefits about a year ago and am already at 6/24 and ineligible for the Chase Sapphire Reserve. If I don’t sign up for any new cards, I’ll eligible in Sept. 2017. Is it worth waiting the year and postponing the other points I could be earning? In that time period I would likely get 4 non-Chase cards.

    Also, my wife will be eligible in Mar. 2017, so an alternative would be that only she gets it and I continue with my current strategy.

    Thoughts?

    Thank you,
    Josh

  2. Anonymous

    I would split up, which is what we’ve done in my house. I don’t think it makes sense to forgo four other cards (assuming a 50k bonus on each), for a 100k bonus that might not be available this time next year.

    Let your wife get that one, and maybe keep her applications down going forward, and focus on other cards in your name.

  3. Gaurav

    Have you tried going in branch to see if you are approved? The bonus may not be around until next year.

  4. JoshM

    Thank you for the advice,

    Splitting up the cards my wife and I get sounds like the way to go.

    I haven’t tried applying because I didn’t think it was worth the credit pull, so I haven’t tried going into a branch. Have others gotten around the 5/24 rule that way?

    Thank you,
    Josh

  5. Gaurav

    Yes, going to to a branch and applying (if you are preapproved) seems to be the only consistent way to get around 5/24. Make sure you check for pre-approval before you apply though.

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