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

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

Рет қаралды 46,409

Күн бұрын

💳 Sebby's Card Picks: bit.ly/askcardpicks
💳 Learn more about the Chase Sapphire Preferred: www.asksebby.com/go/csp
💳 More Sapphire Reserve: www.asksebby.com/go/csr Click "Show More" to see Ad Disclosure
Timeline
0:00 Start Here
0:57 Chase 5/24 Rule
4:08 Chase Pop Up
4:46 24-Month Rule
5:52 48-Month Rule
6:06 One Sapphire Rule
6:53 2/30 Rule
7:31 Credit Limit
9:50 Co-Branded Credit Card Rules
10:31 Business Credit Cards
11:57 Bonvoy Rules
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Пікірлер: 154

@AskSebby Ай бұрын

💳 Sebby's Card Picks: www.asksebby.com/credit-cards CardMatch: www.asksebby.com/guides/cardmatch

@alexanderwillet3245 Ай бұрын

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

@zyzzuschrist3410 Ай бұрын

406 more days until I’m under 524 😂

@AskSebby Ай бұрын

😢

@lianalonge1984 Ай бұрын

I have 377 days remaining. 💳🗓️

@thecreativecontessa Ай бұрын

😂

@Creditcardnerd Ай бұрын

Got approved for chase unlimited with 5/24 now im 6/24! It was my first chase card!

@funny2thag Ай бұрын

Congrats. Did you get the sign up bonus?

@Creditcardnerd Ай бұрын

@@funny2thag yup!

@user-cg2ru7oz1m Ай бұрын

What does 5/24 6/24 mean

@sharoky13 Ай бұрын

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

@meadows5367 Ай бұрын

🥧 Great breakdown Sebby! 1. Under 5/24. 2. No Chase cards on my list now. 3. Game plan is to wait and see what interests me.

@AlejandroMartinez-gw1lw Ай бұрын

You’re so cool!

@ARACELICANO Ай бұрын

🥧 currently at 5/24, will be applying for an Ink in August

@ShadowRaptor8 Ай бұрын

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

@freefalcon Ай бұрын

Do you suggest waiting 12 months to close Amex authorized user cards. Will there be an impact on Amex pop up jail for future cards?

@jaypaladin-havesmartswilll5508 Ай бұрын

🥧 Thanks Sebby, your recent videos on Chase cards helped me to get the recent 75k bonus for Chase Sapphire Preferred. I had this card for over four years and with your explanations of the rules, I was able to get a new Chase Sapphire card and the 75k bonus offer.

@AskSebby Ай бұрын

That is awesome!

@texassecession6422 Ай бұрын

If Chade has total credit line limit 50% of total income, is there any maximum number of accounts you can have? I currently have 6 personal and 2 business cards. I plan to open one personal card soon.

@James-bf7dk Ай бұрын

Still under 5/24, being very selective about my 5th card. Should I just continue to open business cards first? I already have CIU and CIP

@TonyBuyer Ай бұрын

thank you for the video 🥧

@RC94332 Ай бұрын

🥧 good video

@User-dh4xj Ай бұрын

So would you say that increasing your income is the best way to increase your potential credit limit from Chase across all your Chase cards?

@poesyfan28 Ай бұрын

Credit limit to income with chase rn is about .67, curious if my next card causes an issue

@bmolale081 Ай бұрын

🥧 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 💚

@PK_GlobalTravels Ай бұрын

@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?

@SabreLeonheart Ай бұрын

Haven't been 5/24 in like 6 years lol 😂

@shawn.credit Ай бұрын

56 cards stacked I could care less about Chase approvals lol built this avoiding Chase!

@lukal707 Ай бұрын

Lol avoiding chase bad idea

@shawn.credit Ай бұрын

@@lukal707They offer nothing I don’t already get elsewhere I have superior travel cards.

@michaelhall7472 Ай бұрын

🥧. 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!

@ThePerfectElement555 Ай бұрын

Typically upgrading doesn't give any kind of bonus and the only way to get a new bonus is to sign up for a card as a new account. Amex Hilton cards being a more common exception sometimes

@PKDN215 Ай бұрын

🥧 would be interested in a video where you go down that Marriott rabbit hole! Marriott is by far the best hotel loyalty program, at least for me, and I’m very interested in maximizing it as much as possible!

@AVIONBLANC Ай бұрын

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.

@lejendmerchant6472 Ай бұрын

🥧 the cards that you used to make the 🥧 charts, do you have them all listed somewhere?

@robduboux8668 Ай бұрын

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

@Albara-iv7xd Ай бұрын

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

@wp4310 Ай бұрын

I am curious about thatist of 61 cards worth getting in general....

@jeremycain2491 Ай бұрын

🥧 Currently at 4/24. Ones on my list are World of Hyatt card and IHG Premier card. Think I am going all in on Hyatt with their superior point redemption rate. Earning isn't great: can do almost as good on some categories, better on others with Chase cards. Strategy is to use it as an "everything else" card up to $15k free night award. IHG would be backup hotel card (Hyatt isn't everywhere I need it) and want sign up bonus for future trips. Overall, the goal is max yield from spend. I think I can get more juice out of squeezing Hyatt's loyalty program (using its superpower - high redemption rate) than juice from simple cash back cards (e.g., X1).

@luiscristianfloresgarcia8319 Ай бұрын

🥧 So real quick question I managed to get the flex last year August I got the venture X October Got the unlimited in January (for the match points back at the end of the year thing) And then I got a capital one business Does that mean I am at 4/24? Because I wanted to add the Amazon prime card and then the reserve But if the capital one business counts as a card Then am I out of luck?

@ericchang9568 Ай бұрын

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

@ep411 Ай бұрын

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

@christiansailor2880 Ай бұрын

Where'd you get all those chips, Sebby?

@chrisoverbey5937 Ай бұрын

🥧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?

@Trucker-X Ай бұрын

Finally, at 4/24. Have CIP, CFU & CFF. Next Chase cards: CIC, United Biz, and/or CSP/CSR. The order depends on bonuses.

@lonz0_0 Ай бұрын

🥧Sebby, I thought it was possible to have 2 Ritz cards? How is this possible it they have a 1 bonvoy rule? Thanks!🥧

@xplosive8882k3 Ай бұрын

Do you see any reason to keep both CSP and chase ink bus preferred? Both 95 AF CARDS. Debating on grabbing the BUSINESS PREFERRED AND downgrading CSP when I do. Thoughts?

@AskSebby Ай бұрын

To keep business and personal expenses separate?

@ryanshannon6963 Ай бұрын

@@AskSebby I grabbed the CIP a few months ago for the sign up bonus and a small build project that put me well within the sign-up bonus spend. I have CSP after downgrade from CSR I picked up back in 2019, I think. Given the 48 month rule, I will probably downgrade CSP to some freedom type card, then re-apply for CSR (I guess? Whichever has the greater sign-up bonus). Plus, if you're trying to develop the business relationship with Chase then having the CIP helps that. Otherwise, I'm having similar thoughts as OP: Is there practical value for CIP and CSP simultaneously? #AskingForAFriend

@MrMAXIUMS Ай бұрын

does that 24 month SUB rule apply to business cards like the ink?

@02Hrothgar Ай бұрын

No it does not

@Fish4Points Ай бұрын

🥧 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

@rrt08 Ай бұрын

Or log onto your Chase account, and see approval for auto, and credit cards with limits listed. Sapphire would be next card again to get bonus.

@UyenNguyen-ob9eg Ай бұрын

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

@neckface777 25 күн бұрын

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

@KeithM-ht6zc Ай бұрын

How do you lower your credit limit or “carve” out your credit limit on existing cards before applying for a new one?

@AskSebby Ай бұрын

Send a secured message or call them.

@tumbleweed1976 Ай бұрын

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

@pole-star2118 Ай бұрын

🥧 I can only get one more card before the 5/24 rule kicks in. Trying to determine if I go for Hyatt or united airlines. I will get the flex later. Picked up the sapphire preferred in branch to get that extra 10k points. Next year I'll upgrade to the reserve. I don't plan on using any points this year. December ill get my double points from my freedom unlimited, my 85k preferred then wait to upgrade to the reserve. 😈 Sebby. I'm conflicted about my next move.. I'm really enjoying marriott properties. I have a big disney world trip planned end of year. Should I spring for the amex bonvoy brilliant for the platinum status to *possibly* get a nice upgrade. Or wait 19 months to get a sign on bonus. Debating. Will be upgrading my bonvoy card to the ritz next year. Thanks.

@theartist395 Ай бұрын

🥧In your experience/opinion does direct deposit into a Chase account help with approvals? 1 - 5/24 2 - United Club, CSR, CIC 3 - get the above 3 and then go way about 5/24 and let it tick down as I wait for the Sapphire clock finish

@AskSebby Ай бұрын

Mainly credit score, credit history, and utilization unless you have a brand new credit file.

@benchoflemons398 Ай бұрын

They do mention deposit relationship in AAs but idk if it’s DDs or balance.

@theartist395 Ай бұрын

@@AskSebby currently DD with them, but was looking to moving my banking elsewhere and just keep an account open with them

@ronwes17 Ай бұрын

🥧🥧🥧 Sitting at 4/24, been getting biz cards (Marriott biz, United biz and IHG biz) and will then add the CIC next before the CSP/CSR!

@AlbertoPerez-hr6mu Ай бұрын

Does 5/24 apply to authorized users when they go to apply for their own accounts? So would they have to wait 24 months from the day they were authorized to apply for their own?

@shawn.credit Ай бұрын

Yes, it counts as a new account (card) on their credit profile.

@PointsPrecision Ай бұрын

Most issuers report the original open date for AU cards (I believe Amex is the main exception), so if someone is added to a card that's more than 2 years old, it won't ever affect 5/24. It also doesn't affect bonus eligibility for a card that someone is an AU on.

@KingLazy93 Ай бұрын

I wonder if I can downgrade from the Freedom Flex back to the OG Freedom card

@dmunozg Ай бұрын

yes, you can ... not exactly a downgrade, just a product change ... I've heard of people doing that and opening a new Freedom Flex afterwards ;-)

@ctcristo Ай бұрын

I maxed out about 20% of gross income. Last time when I tried to get a new Marriott card I had to move CLs around.😂

@levimachado Ай бұрын

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

@JonRichenberger 18 күн бұрын

Have to spend your way out. Which unfortunately means losing out on some points you would gain with a superior earning card.

@AlahnaDaBombFR Ай бұрын

I wanted to ask how long should I wait to add a credit card. I haven’t had a credit card in 7yr. I apply for the venture one card and got approved about 3 weeks ago and wanted to add another card. Is it ok to apply for another card. Looking at a chase freedom card. Credit score is around 720

@AskSebby Ай бұрын

You should be fine.

@garygretarsson 28 күн бұрын

You are in a great position to start building huge with chase! Take your time and don’t rush into anything. Research all of the chase cards and make a plan to acquire the ones you want in a well spaced out timeline. If you have any plans for business cards, focus on those first before you add to the 5/24 status.

@BradXiao-uo2jq Ай бұрын

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

@funny2thag Ай бұрын

Apply for the Chase Freedom Rise cards, they’re for people new to credit. It also helps to have a checking account with them too.

@zyzzuschrist3410 Ай бұрын

W Sebby

@IdkidfcCJ Ай бұрын

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

@redrumboi56 Ай бұрын

Does anyone know how long does it take for an approval after applying for a chase credit card?

@mikecumbo7531 Ай бұрын

I got my CSR approval in 5-10 seconds after submitting the online application.

@rv3277 Ай бұрын

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

@texassecession6422 Ай бұрын

Yes

@lacrosse8011 Ай бұрын

🥧 What happens to your CSP points if you downgrade to a no annual fee card? Can you still use them?

@AskSebby Ай бұрын

You keep them since it's the same account.

@MyWillbot Ай бұрын

🥧- Can I get bonuses for a personal and Business chase card in 12-24 months if I have not had a bonus for either in 48 months?

@AskSebby Ай бұрын

Yes

@czrs85 Ай бұрын

Capital one next please. Still under 3/24 right now.🥧

@justsomeguy5507 Ай бұрын

I could be wrong but I think one of them is the 6 month rule where you'll more likely get rejected if you apply for a 2nd capital one card 6 months after opening the first one. Idk how true it is considering I got my 2nd one roughly around 6 months after the first

@JazzyMarineVet Ай бұрын

Sebby got a shape shifting voice👽👾🌚☠️👻

@dw4421 Ай бұрын

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

@basilhamed3039 Ай бұрын

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

@rindraneel Ай бұрын

Does the 5/24 apply for Business cards ?

@nickmazzio6622 Ай бұрын

From my experience it does, but not sure if it was 5/24 or I just didn’t get approved so hopefully someone can clarify

@Coder-jy5ih Ай бұрын

I won’t be surprised if Chase removed the 48 month bonus rule and implemented a once in a lifetime bonus like Amex. Everyone is abusing the rule at this point 😂, making 60 to 75k every 4 years.

@laughter95 Ай бұрын

I doubt this. I think the vast majority of people just hold onto one or two cards and just use them. Barely anyone I know cares about points. Most of the time the effort is better spent on actual revenue drivers or expense minimizers in your life, and so that's what most people do.

@Coder-jy5ih Ай бұрын

@@laughter95 that is true. Maximizing point isn’t even worth it when you are earning six figs. I guess we have a lot different friends.

@luannehorne697 Ай бұрын

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

@williamlinden732 Ай бұрын

No, because they are both no AF cards. You downgrade a card to lessen or avoid an AF if the card no longer gives you the benefit for the AF they are charging.

@Df8s Ай бұрын

January 25 will be out of 5/24😢

@jcaceres516 Ай бұрын

Amazon counts as 5/24? Im currently 4/24. This is the only card im interested in right now

@doujinflip Ай бұрын

Yes. It doesn’t have to be a Chase card either, all non-business card approvals count against 5/24

@jonathanlopez3315 Ай бұрын

@@doujinflipthe Amazon Visa you could get approved even over 5/24 because it's called Co-branded Card

@Tierhog774 Ай бұрын

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.

@richardcyphers9529 Ай бұрын

Not happy with Chase 5/24 rules 😬😬

@User-dh4xj Ай бұрын

I’m at 4/24, and my next hard pull will drop off my credit report in May 2025 Would you recommend getting a new Chase card or the Bilt Mastercard? I rent right now but realize that there is a chance that Wells Fargo might not be renewing the contract in 2029, so I don’t know what kind of impacts that might have if the credit card is no longer useable

@AskSebby Ай бұрын

Chase. You're going to have to spend a lot of money on the Bilt card to even get the equivalent of a Chase intro bonus. Why lock yourself out of 5/24 for no reason when WF doesn't have a rule like that?

@User-dh4xj Ай бұрын

@@AskSebby That makes sense, I just got the Chase Sapphire Preferred in May 2023, and it is the only Chase card I have, so if the welcome bonus on Chase’s non-cobranded cards were less, I wasn’t sure if it would worth considering one of Chase’s cobranded cards then

@mjingj Ай бұрын

The 5/24 is not hard rule.I got a sapphire preferred recently at 6/24

@zyzzuschrist3410 Ай бұрын

Hence why Sebby said “most Chase cards” 1:19

@zyzzuschrist3410 Ай бұрын

Plus it’s possible your 5th and 6th cards haven’t reported to the report chase pulled

@TheArtistFKApingaso3687 Ай бұрын

Were you approved outright or did you have to call the recon line?

@mjingj Ай бұрын

@@TheArtistFKApingaso3687 I applied in person, got denied, the cs was called up, they reviewed my credit and approved me.

@alexzang1627 Ай бұрын

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

@coedshowers Ай бұрын

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

@RichColemanTx Ай бұрын

🥧🥧Were any of these rules new? They all sounded like they were the standard historical rules.

@AskSebby Ай бұрын

The pop up notifications are new.

@eelfood Ай бұрын

🥧 one more month and I’m under 5/24 again.

@wbeck4 Ай бұрын

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

@ovx23 Ай бұрын

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

@down2earthz 20 күн бұрын

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.

@AskSebby 20 күн бұрын

Yes, that's correct. inc.com/craig-bloem/this-1-unusual-habit-helped-make-mark-zuckerberg-steve-jobs-dr-dre-successful.html

@down2earthz 20 күн бұрын

@AskSebby don't get me wrong I was just curious. Now I know a little bit about it for some psychological reasons. 😀

@Lifeissorich. Ай бұрын

Woot woot 🥧

@tatiyanaRDH Ай бұрын

🥧 3/24

@knightultimate8356 Ай бұрын

First

@AskSebby Ай бұрын

🥇

@cesarsanchez9697 Ай бұрын

Pi 🥧

@tammysmith9544 Ай бұрын

🥧

@Milkinporsche Ай бұрын

But why would I apply for a card without sign on bonus😅

@YumDex Ай бұрын

If you’re still applying for chase card BESIDES the reserve, then what are you doing. There is many better cards

@justsmy5677 Ай бұрын

The Chase World of Hyatt card is a great card if you travel and stay at Hyatts. 9X points on spend at Hyatt.

@Adiscretefirm Ай бұрын

Better earning for sure, but people just farm Chase for subs, I bet a lot of that hot pink card holder he uses is full of semi retired Chase products

@mayachelsie4072 Ай бұрын

Don't forget that there are cobranded cards as well. Some people are SW loyalists or Marriott, and they are by Chase (there are Amex Marriott as well).

@ARmarketing Ай бұрын

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?