NEW Chase Credit Card Rules? Bonus Pop Up?! | Watch Before Applying! Chase Sapphire Cards

Where'd you get all those chips, Sebby?

Im at 7/24
Will be at 5/24 amd the end of june 2024

Under 5/24. Chase Saphire Reserve has been my ongoing choice for 5+ years 🥧

Since you mentioned it, i've been on pop up jail for years. How do i get out?

On the limits j added my wife to mine, does that stop her eligibility for getting these bonuses in her own name/card?

My wife and I were just approved for the freedom unlimited with 3% back on all spend for the first year. LETS GO

Does the 5/24 apply for Business cards ?

Applied chase cash at 3/24 with 751 experian score. Got denied due to only 1 year and 2 month credit history

🥧 with the marriott rules on bonus in 24 months is that only for personal marriott cards or does that mean if you got a personal mariott you would not be able to get a bonus on the business version

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Hi- Is there a downgrade path for CFF and CFU?

Hey Sebby! So does this mean if I have the Amex Bonvoy Brilliant, there shouldn't be any constraints on me getting a Chase Bonvoy card? Wondering if there's any good ones that would pair well to stack benefits

I was at 3/24 in May got one personal then 30 days later got a business card then 5 days later got another chase personal . So all 3 chase cards within 36 days 🥧 I’m at 5/24 now

🥧 my love-hate relationship with Chase 🙄

Positive: *been banking with them 17+ yrs never delinquent *I have a high fico score *I have good income *Few low debts, don’t even have a car note 👍 (which is a plus)

Negative: *have been denied twice, 1st one I was 2weeks away from 5/24 (to downgrade to 4/24) so they instructed me to wait a month to re-apply, I waited over 60 days, re-applied…DENIED 😮 even that this time was a business card I was told “you are out of the 5/24 indeed but last time they gave you wrong info. And bcuz “I didn’t have buss experience credit wise” they still used my personal credit report 😡 I even summit the case to recon department and that was a nightmare, they make me feel like a was trying to join the the secret service team, I felt I was in a criminal trial 🥺😭I’m surprised they didn’t asked me for a DNA test, the guy even mentioned stuff in my credit from 15yrs ago on which I told him “that’s irrelevant, legally that’s cleared and that should not be part of this conversation, what’s your point?” (Oh no I’m just mentioning so he said) Also they were counting the cards where I’m an authorized user as personal, I noticed so when he mentioned “how many credit cards I have” I was like wait a minute, something is not right here (and those cards are ALL pretty much in zero balance, never late or over the limit) so he then decided “not to count them against me” I should add, I totally HATE dealing with Chase, they are SO judging 🙄and make you feel like 💩 At least in my experience

I guess next time I’ll have to visit a chaman + bath my self in holy water before I apply with Chase again, I had have absolutely no luck with Chase, being a loyal customer has NO value at all when it comes to applying for a new cc with them

If I downgrade the Sapphire Reserve to chase freedom, will I lose the points? Thanks 🙏

🥧So they will now let you go 6/24 if you’re willing to forego the SUB? If my P2 refers me for a United Explorer card, would she still get a referral bonus, even if I don’t get the SUB?

what if i am currently working on the chase sapphire preferred (got it last month), am i eligible for the chase ink business preferred?

🥧, do Ashley store card from synchrony bank count towards 5/24?

Under 5/25 and looking into a business card next! Thanks for the great info as always Sebby. 🥧

5/24 only for credit cards or new accounts. Car loan count as a 5/24 slot?

🥧 i was rejected bc of the 50% rule. How long should I wait until i should apply again?

@asksebby is it really confirmed that Cap1 venture x business eats up a 5/24 slot?

I've read of data points showing both yes and no. 😬

🥧. Sebby, I love and appreciate your vids and have a question I don’t recall you covering before…. You talk about downloading strategies here, but what about upgrading a card to get a SUB? I have a CSR and love that, but have had a United Explorer for like 4 or 5 years and I think I want to upgrade it to a Quest. Is that just a new app altogether? I don’t want to dilute the credit line between the 2 cards (although I know that can be moved around once established). Any thoughts on best approach to upgrading? Thanks for all you do!

Have you seen several cases of Chase approving for a CSP when total CLs will land at 54% of income? 🥧

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From CSP or CSR can only downgrade to CFU because Flex is Mastercard

Have the Reserve Trifecta for years. Sure would like a Chase lounge in ATLANTA… You know, one of the busiest airports in the US ATLANTA? The ATLANTA with only a crappy PP waaaaay over in the international terminal ATLANTA? 😂. Rant over.

🥧 3/24

🥧 I have been stuck at a sum total of ~$100K in aggregate Chase personal card credit limits for a many years, regardless of how many multiples of that my income is. Any new application requires me to call the reconsideration line (stored as a contact in my phone at this point 😂) and to peel off credit limit from another card before getting approved.

I have a Chase United Club card. You left that out of the review. It seems to have some good perks. Over a five year period I upgraded from the Explorer to the Quest to finally the Club. Your thoughts on the Club card, please.

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About Bonvoy: The exception seems to be the Bountiful credit card? It looks getting the Bountiful does not block SUB for the Boundless.
I've checked the terms of the Boundless and Bountiful, and the Boundless makes no mention of the Bountiful when it talks about bonus eligibility. Am I missing something, @AskSebby?

@AskSebby if I apply for the sapphire reserve to hit the sign up bonus, then transfer the balance to a 0% APR, will it void the sign up bonus?

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3/24

Using Bilt for rent points and deciding on which travel card to add next! Flying myself and mom out to Hawaii for our first first class experience. Hawaiian airlines there, United back. Considering a Bonvoy property to stay at. Would LOVE advice on how to maximize points and which travel card to add. Thanks 💚

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🥧I'm under the 5/24 rule. I want to get the Ritz Carlton but I'll wait.

Does the 5/24 rule count non credit card hard inquiries?

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If I have the CSR 6yo, can I downgrade and apply for bonus for CSR again within days of downgrading the card?

Can I get approved for a second Bonvoy Boundless card if I upgraded the first one to Ritz card already? Willing to forgo the SUB since it hasn't been 24 months since I got the bonus

I don't know if anyone is aware that Sebby wears the same shirt in all of his videos in the last few years or so.

I've had the CSP for almost 2 years now. If I upgrade to the CSR now, (given the 48 months rule), will I be eligible for the welcome bonus again 2 years from now?

Have CSP currently might apply for freedom unlimited in 2-3 months since I just got my CSP I’ll be at 4/24 then and then get Amex Gold as my 5th card or look elsewhere to see what’s on the market

Nice Sebenza

🥧 ❤4/24 but want to get the Hyatt Personal before the introduction offer goes away 10/31/24 I did do a InkUnlm on 9/28 but didn’t get the approval email until 10/1. I also want the Ink Cash while it’s at 75k. Any advice?

I currently have a CFU, want to get a CSP. Do i keep the CFU and apply for the CSP & CFF? Im not sure you could downgrade a CFU to CFF

Sebby, could the credit limit of my CSR affect my authorized user’s 50% income rule?

Thanks Sebby

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