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Answers (6)

5/24 rule question

5/24 rule question

  1. worldtravel1

    Hi,

    I am in the process of getting the Chase Sapphire Reserve card. I currently have the Chase Sapphire Preferred card. There is no reason to keep the Preferred card and the Reserve card. I am going to swap the Preferred for the Chase Freedom Unlimited card. I know that by opening a Reserve account that it will count toward the 5/24 rule. My question is by swapping the Preferred for the Freedom Unlimited card, does this technically count toward 5/24 rule?

    Thanks!

  2. Gaurav

    No, that should not count but I would do the change after you apply for the CSR if you are right at the limit.

  3. ulliro

    Hi,

    I just spoke to Vanessa Ramirez from the Chase executive office in Columbus Ohio and she told me that it doesn’t matter ( for the 5/24 rule) what credit card you apply for.
    Ben is writing that many cards like the Ritz Carlton and other cards do not count.
    I asked if I would apply for the Ritz Carlton card and she said that each and every card you apply for counts towards the 5/24 rule.
    I would love to open some non counting cards through your links but you need to clarify.
    Merry Christmas and a Happy New Year to all of you.

    Ulli

  4. Anonymous

    Right, everything you apply for counts towards 5/24 (except non-Chase business cards).

    But some cards aren’t [I]subject[/I] to 5/24. Like, the rule doesn’t apply to the Ritz card — I was at 9/24 and was approved instantly.

    Does that difference make sense?

  5. ulliro

    Thank you Tiffany,
    I asked and she said the Ritz card apply to that rule when looking/waiting for the Reserve card.
    Was 9/24 in November and was denied for the Sapphire Reserve because of that.
    I opened 2 cards in 2014, 2 cards 2015, 5 cards in 2016 according to their card count.
    In reality I have way more cards since fall 2014 but that`s what she told me after she pulled up my credit report from Equifax.

    So no Ritz or other cards for me, if I want to get the Reserve card?
    Do you have a different opinion?

  6. Gaurav

    [USER=796]@ulliro[/USER], that is correct, no cards until you are under 5/24 if you want the CSR. Think of the 5/24 as a test that you have to pass in order to get some cards. The CSR is in that group of cards. The RC is not so you can get it but it adds to your 5/24 burden and makes it harder to apply for the CSR.

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