Surprising Results From My World Of Hyatt Credit Card Application

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Over the summer The World of Hyatt Credit Card was introduced, and it’s a card that has been on my radar ever since. I applied for the card a couple of weeks ago, and was surprised by the results. Let me explain.

Why I wanted The World of Hyatt Credit Card

The World of Hyatt Credit Card is offering a welcome bonus of up to 60,000 World of Hyatt points — 40,000 World of Hyatt bonus points after spending $3,000 within the first three months, plus another 20,000 bonus points after spending a total of $6,000 within the first six months.

More importantly, this is a card that I’ll get plenty of value out of long term, as it offers:

  • Five elite qualifying nights every year just for having the card
  • An additional two elite qualifying nights for every $5,000 spent on the card
  • An anniversary free night certificate valid at a Category 1-4 property annually
  • An additional anniversary free night certificate when you spend $15,000 on the card in a cardmember year

This card also has some great bonus categories, and personally it’s a card I plan on spending a minimum of $15,000 on each year, in which case I’d get a total of 11 elite qualifying nights and two anniversary free night certificates on the card every year.

Why I hadn’t applied for the card before

I’ve applied for almost no credit cards the entire year since I’ve been trying to get under Chase’s 5/24 limit. I finally fell under that limit as of October 1, 2018. Following that I:

That couldn’t have worked out better! My plan was then to pick up The World of Hyatt Credit Card.

Then 5/24 expanded!

My plan was to apply for The World of Hyatt Credit Card in early December, as I like to wait at least a month between Chase business applications.

However, on November 14 there started being reports that Chase had finally implemented the 5/24 restriction on all of their cards. Ugh! I really wanted the Hyatt Card, so I figured I was in trouble, since after applying for the Hilton Amex I was no longer below the 5/24 limit.

But I figured what the heck, I might as well apply for the card. However, I figured I’d be rejected:

  • I had picked up a Chase card a couple of weeks prior, and two Chase cards since the beginning of the previous month
  • I was once again at 5/24 (though my credit score didn’t yet show the newly opened Hilton Card)

I applied for the card and got a “pending decision,” and figured I had no chance of being approved, so I just let things be. However, a few days ago, nearly two weeks after applying for the card, I noticed that I had an extra five elite qualifying nights in my Hyatt account, and I also noticed The World of Hyatt Credit Card in my Chase account online.

So somehow I managed to get approved. I guess the Amex card that I applied for hadn’t quite hit my personal credit yet, and they were fine approving me for a third Chase card in less than two months (though I hadn’t applied for any other Chase cards in a long time).

Suffice to say that I’m a very happy camper — I got all the cards I wanted to get while under 5/24, and have an excellent Chase card portfolio now.

Otherwise I would have found the Hyatt Card to be worth waiting for since it makes such a difference with my Hyatt status, and I may have just not applied for any other cards until I next fell under 5/24, which would have been next May.

Sometimes you just gotta apply for cards and see what happens, I guess!

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Comments

  1. Chase seems to be pretty consistent about how they count 5/24, and since the Hilton card wasn’t on your credit report yet, you weren’t at 5/24 in their eyes.

  2. I mistakenly thought the 5/24 rule was 5 Chase cards. No, 5 of any credit cards, Chase tells me. I applied to Chase as a 6th card and was rejected. I called and cried to them (ok, no tears).

    I explained to them I didn’t know about the 5/24 rule, have plans to use the Chase card I applied, have no plans to apply for anymore cards in the coming months, and was reshuffling all my credit cards (apply for new ones, end use of some ancient ones). Approved!

  3. Congrats Ben!

    Do you think it might have anything to do with them wanting you keep you personally happy because you generally have a positive view of Hyatt on here?

  4. Looks like 5/24 did indeed get expanded. That’s going to make for an interesting 2019 for me as I’m not over 5/24 and will see if any good new non-Chase opportunities pop up.

  5. I also wonder whether some of these companies are starting to put a ‘don’t p’ss this guy off’ notation in their system by Lucky’s name. Would be a good idea.

    I would LOVE to hear what Hyatt thinks about 5/24 applying to their new card. We were waiting until next year to apply but will now just skip it and stick with the Hilton Amex’s to earn free nights with annual non-bonus spend. I don’t have patience for Chase’s silliness about such things.

  6. I think the companies should be upset if a consumer wants to get a Hyatt or IHG or Marriott card from Chase and the bank blocks them??

  7. Yeah, I agree – Hyatt can’t be happy with Chase expanding 5/24 to their brand new card. Same with United, British Airways, etc.

  8. Even though I have been below 5/24 when I did my past two Chase card applications, I have gotten “Pending” responses. Oh well, so be it.

    My problem is the way in which I discovered each had been approved was to notice new accounts when logging into my online account. A week or so later, I would receive the card. Then a couple of weeks later I would get an email or letter saying that I’d been approved. Don’t understand why Chase doesn’t send an email immediately upon approval.

  9. @jmd001 and @Lucky, seems that is Chase’s new standard procedure. Got pending message for both new Marriott and Hyatt cards only for both to appear on my account within a few days, before receiving message that I was approved for either. I won’t complain, as they have also been fairly generous as to when they start the 3 month earning clock as well.

  10. @Lucky, great to hear you got all the cards you want! I’m in a similar situation where I will need to not apply for any personal cards for the whole 2019 before I fall under 5/24 (though I plan on applying for a couple of business cards). I have a question for you regarding the Hyatt card. I have the old one. Are there any major differences between these cards (once the signup bonus is gotten)? If so and if I want the new World of Hyatt card, does this mean I have to cancel my current card and make sure I’m under 5/24 and over 24 months from the date I got the old Hyatt card sign up bonus? Thanks!

  11. Did you cancel your previous Hyatt card some time ago or do you still have it? If you still have the older version, do you expect to get the 40-60K Hyatt bonus points after 3-6K worth of spend?

  12. @Lucky, just curious, but where do you see Hilton sliding into your Hotel stay strategy now that you have the Aspire? It seems like you hardly ever stay there so just curious if you will actually stay there or if you just got the card for the incredible ROI it offers (can’t blame you either way).

  13. The new Hyatt card is the only card I’ve ever been declined for. BEFORE it was included in the 5/24 rule and with a 782.

  14. I called for reconsideration as CPC. I said I had 4/24 shown on creditwise. The lending department rep corrected me it’s 11/12. lol

  15. I don’t understand how all you bloggers that hawk credit cards for a living can be anywhere close to 5/24. I say it jokingly of course, as I love the attention you bring to the “game” overall, but i do find it ironic 🙂

  16. Is the one month rule between applications for any chase card – business or personal? Or is it 1 month between personal cards only and 1 month between business cards only

  17. I applied for the World of Hyatt card in the summer and was declined because I have the old Hyatt card. The old Hyatt card was my 4th Chase card overall. I’d had my other 3 Chase cards for years before applying for the old Hyatt card.

  18. If you have the old card at the moment and want the new one, I assume you have to cancel the old Hyatt card and then open the new Hyatt card. After you cancel the old card, how long do you have to wait until you can apply and get the new card WITH the 60K Hyatt points??? Thanks!!

  19. @Lucky, surprised that you didn’t already have the old Hyatt card. You’ve been talking about Hyatt for as long as I’ve been reading your blog and you never had their card? Did you cancel and re-apply?

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