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Answers (5)

Chase 5/24 Rule

Chase 5/24 Rule

  1. Anonymous

    Hello everyone so in the past two years, I’ve applied for four cards. I also recently started a small business so I now have an EIN as well. All four of my previous cards were applied for under my SSN. I now want to apply for Chase Ink and Chase Sapphire. I have been pre-qualified for both cards many times, but am worried now if I apply for both that I will be rejected for one because of the new rule. Does anyone know if this would be the case or if I apply for the Sapphire under my SSN and the Ink under my EIN will that not count towards the 5/24?

  2. Dallin

    Lucky/ Everyone,

    I recently have been hearing about the new Chase 5/24 rule and had some questions regarding it. In the past two years I have opened four new cards. My next applications I am planning for are Chase Sapphire Preferred and Ink Cash both of which I was prequalified for. All four previous cards were applied for under my SSN. I just started a small business and now have an EIN as well. I was wondering if I apply for both cards will I be rejected for one because of the new rule? Or can I apply for CSP with my SSN and Ink with my EIN and they won’t count towards the 5/24 rule? Also if I close and account from the past two years does that leave me wiggle room to apply for another chase card or does the 5/24 rule also apply to closed accounts? Thanks for any response!

  3. MidSouthSkier

    Even if you used your SSN you should pass the 5/24 check since you’ve only had 4 applications in the last 2 years. I think you should be fine applying for both a CSP with your SSN and an Ink with your EIN. I don’t think closing an account will make a difference. I believe the issue is for number of applications, not for number of open cards. As always, YMMV.

  4. Gaurav

    As [USER=184]@MidSouth Skier[/USER] says, you’re probably fine. I’d apply for both cards simultaneously just to be on the safe side. Your chances are better if you’ve received pre-qualified offers for both cards.

  5. New to FF

    I have 15 cards in the past 18 months, 11 in the past 12 months as was just approved for the Ink. I did get a SW Premier in Dec and the SW Plus in Jan, but not tow at once. Since you don’t have many I would go for it but split a few days apart maybe.

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