Chase 5/24 Exceptions?? 🧐 | Yikes! Huge Capital One Credit Defaults

No video

Chase 5/24 Exceptions?? 🧐 | Yikes! Huge Capital One Credit Defaults

Рет қаралды 56,558

AskSebby

Күн бұрын

Пікірлер: 264

@AskSebby Жыл бұрын

Check out DeleteMe: JoinDeleteMe.com/AskSebby Thanks to DeleteMe for sponsoring this video! CSP Calculator: www.asksebby.com/credit-card-reviews/csp-calculator More Citi AA Platinum: www.asksebby.com/go/citiaaplat

@Ron-qe4ul Жыл бұрын

🥂"Grab the points, use the perks, and enjoy life" perfectly sums it all up.

@CalrosACJ55 Жыл бұрын

I referred 3 friends over 5/24 yesterday, 2 got instantly approved, the other got hard denied even after recon. One of the approvals had just opened 4 open loop store cards in December and one in September, an absolute miracle he got it.

@charmcharmy387 Жыл бұрын

Approved for CSP with 7/24, last card opened in January. 749 fico and 80k income. Had to call reconsideration but they were quick and cool for a 10k approval.

@JSTX9216 Жыл бұрын

I’m over 5/24 and just got approved for a Sapphire card. It wasn’t easy and was thinking for sure it was a denial. I took a shot at it bc Chase mailed me some 100,000 point offer. I went for it and it didn’t give me a decision. I got a “chase will get back to you” message. I then got a call from an 800 number that was a Chase fraud line. I called back the recon number and they asked me some identity questions and came back with an approval. 😮

@phalange1234 Жыл бұрын

Sounds like a scam.

@OperationNonsense Жыл бұрын

Seb, please do a video showing us how you are able to book flights using points. I've accumulated a pile of Amex points, only to discover how difficult it is to use them. Using points on premium cabins for huge value sounds amazing, but there are literally zero seats available to book across ALL airlines. It literally took me an entire year to finally score a spot for The Room with ANA from JFK to HND. Same thing with SQ, KLM, and Air France. I am sitting on a huge pile of Amex points that are virtually useless because there are simply NO SEATS available for redemption. I am beginning to swing heavily into earning Chase points, because at least Hyatt points are easy to use while offering decent value. Seb HELP!

@nathaniel1600 Жыл бұрын

So much this right here. It's a full time job trying to figure out how to use points.

@MrShaunG Жыл бұрын

I used to have the same mindset of looking for plane tickets the same way I usually do… try something unorthodox… I know you have set dates but I want you to get familiar with patterns. Use google flight for your destination, learn the most direct route near you with business class…which airline alliance program is it? For example I am currently eyeing a flight to Rio de Janeiro. I live in Boston. I cannot search for flights like most people… I have to look at high likelihoods… most of these awards are last minute. I know it sux to gamble but only luck I’ve had is on emirates or Qatar for bookings a few months out. Anyway I know the heaviest traffic (most planes most availability , better to focus on) is NYC to GRU. This is the high likely route I’ll grab a business class seat (and IAD but I didn’t want to make this more confusing). United and AA are my likely options. I’ve already booked economy flights; but I’m very sure if I wait until 2 weeks prior (since I’ve recognized patterns) that United will release business class award seats via air Canada/aeroplan for approximately 62000 miles one way… I am not certain but I’ve tested this availability on flights two weeks from now… I hope this helps. Of course do some research but if I were you I’d start looking for your same flight (let’s say you want a flight in November) for next week. Search availability next week. Recognize the pattern. Does this available seat pop up 14 days before? 21 days? Etc…

@dereklap1159 Жыл бұрын

This is why I have stuck with Chase. Their points are just so easy to use for reasonable value. I either try to find some decent deals with Hyatt or book with the portal and get 1.5x value with the CSR.

@Xilent_Nexus Жыл бұрын

I can confirm this. I applied for the Sapphire preferred and got approved! I was 7/24. I was holding out but took a leap of faith after reading many people getting approved being over 5/24.

@senselessmyth-learns6181 Жыл бұрын

Holy shet....yeah I just did it. but I have a huge relationship with chase. Multiple cards, bank acc, and loan. ""NAME you're approved! Now, let's get you set up.""

@JSTX9216 Жыл бұрын

I took a shot. A lot of my inquiries are falling off this year so i went for it and got it. I also was around 7/24 lol

@quinnrivera5075 Жыл бұрын

I just did the JAL flight from SFO to Tokyo last week. It was incredible. The service was at a level I’ve never seen before. Seats were very comfortable. If you have the opportunity to do this flight DO THIS FLIGHT.

@wills6226 Жыл бұрын

Just stayed at the Hyatt Tokyo Bay Hotel in Japan. While the property was nice and modern the service left a lot to be desired. We received no assistance with our luggage (6 total bags in all) checking in or departing. No information was given about the shuttle service explaining that the drop off and pickup points were different, depending upon where you’re going and last but not least the breakfast was average at best and by day 3 we no longer wanted any part of it. The Hyatt Osaka although a bit outdated was a very enjoyable experience and service was exceptional

@mortgagefrank Жыл бұрын

Applied today for the Sapphire Preferred, got turned down, called the reconsideration line and was told by the agent that it was because of 5/24. Looks like it is back in effect for this offer!

@365vacay Жыл бұрын

I received my Bilt card last month. A few of the things that are often overlooked is 3x on dining (6x on the first of each month), 2x on travel (4x on the first of the month). Plus... Bilt gives you 5x for five days on all purchases when you first receive the card.

@realfinalsay Жыл бұрын

🥂I was at 7/24 with a 725 credit score. Just got approved with a $8,400 limit!!🥳 I am in shock😳

@JacksonianT Жыл бұрын

I was 5/24 when I applied for my 2nd Chase Ink Cash in March right before the 90k ended, got approved.

@ItsMeCJ Жыл бұрын

🥂 Hey Sebby! I enjoyed this video. I wish Chase would just get rid of the 5/24 rule altogether, but that’s because I’m at 4/24 and don’t want to be in Chase jail 😂😂😂. My buddy got denied for this CSP, he’s wayyy over 5/24 though. Fair point about the Bilt card. I got it recently, but I also thought about the opportunity cost of missing out on using my rent payment to hit a minimum spend requirement. To be honest, the Bilt card would simply get sock drawered while meeting a min. spend requirement that needs that extra boost from my rent payment.

@Batablast Жыл бұрын

I applied at 9/24 and was approved!

@jpknowledge8852 Жыл бұрын

I'm flying from Tokyo to LA in a couple of weeks on JAL First Class! I'll make sure to have an extra glass of Salon Champagne to make up for the one you missed 🥂🍾

@AskSebby Жыл бұрын

Awesome! Enjoy :)

@spicypineapples3823 Жыл бұрын

Guys, go for the CSP’s 90k bonus at branch locations!

@callmeNeno Жыл бұрын

Really! Wow did they dropped the annual fee for first year?

@Buncobabe Жыл бұрын

5/24 is not dead. Within the last 3 wks, I was turned down for the Chase Ink due to 5/24. Called recon line & still got a no. 😢

@jasonfranco5241 Жыл бұрын

I’m in the same situation, if you end up applying for CSP let me know !! I’m think on giving it a try again lol

@docsays Жыл бұрын

Damn, i was thinking about going for the CIC, but im 6/24

@mitsu.hadeishi Жыл бұрын

I grabbed the Bilt since my rent is high and there's no other way to earn points on rent (at least not on an ongoing basis). Bilt is a great way for me to get "free" points on something I'm already spending on. Plus they have some great transfer partners including Hyatt so I'm getting 2-3 free nights/year at decent properties essentially - almost $1000 in value pretty much with no extra outlay. But I already have a ton of Chase cards and AmEx and am still under 5/24 even with Bilt right now.

@johndeleon9591 Жыл бұрын

I just applied for AA card mentioned and got it. I don't necessarily need it but 75k points isn't too shabby. The 3500 in 4 months will be easy to do in 1 so I figured why not. If I don't like it after a year I will downgrade. Thanks for the vid. 🥂

@societychange229 Жыл бұрын

I just got notification that I got Approved to my CSP credit card. I got 7/24.

@AskSebby Жыл бұрын

Congrats! Thanks for the data point :)

@jakmere Жыл бұрын

People getting denied are probably carrying balances. A data point to consider.

@gobuflo Жыл бұрын

🥂Cap1 reaped what they sowed. They gave generous CLs to those that carried revolving balances and often denied applications from high FICO, pay-in-full customers on Venture X. I will guess Chase and AMEX are somewhat insulated from this, but I expect similar numbers from the Synchrony, Comenity, etc group of issuers that target these same Cap1 customers.

@stevenwoo2881 Жыл бұрын

Applied for the CSP at my local Chase branch today and was declined. Planning to call the recon line tomorrow. Will update with the results.

@stevenwoo2881 Жыл бұрын

Here is my update. Called the recon line today and no luck with them either so I will be closing all my accounts with the bank. Bye Bye Chase.

@SimboKlice Жыл бұрын

I have a friend who works at Chase. I applied for a sapphire preferred for in-branch offer of 90,000. 5/24 still counts. I was denied for having credit limits under $5000, too many inquiries, and low credit history

@austinj9 Жыл бұрын

🥂 Maybe a fun datapoint. 5/24, but have been sitting on CSP and CSR (and, unrelated, Slate Edge) pre-approvals on the website for a while. Tried going for the in-branch offer on the CSP, and got auto-declined for "underwriting" liability. Banker called financing, who explicitly referred to 5/24, no issues with credit according to them, and no chance to transfer limits from another card. Shot off the pre-approval I still had in my account out of curiosity, and now Chase needs "more time" to consider it... 🤔 (edit: TIL about 2/30 :/ )

@stevenroshni1228 Жыл бұрын

Capital One chopped down my credit limit. Frustrating to lose a few points off my score by no fault of my own. I got an email saying if I answer some questions they would consider adding some of it back, but they mostly wanted to gauge how much I was going to use the card, which is pretty low at this point.

@SpencerJohnsonOfficial Жыл бұрын

🥂 It’s always nice to see some of these annoying rules (like the 5/24 rule) get relaxed a bit when elevated offers come out. Just to reiterate what you said since it’s so important: be sure that if you do go for the CSP right now that you aren’t currently holding a Sapphire card (I’d downgrade it to a Freedom card if you do)… Also, to get the bonus, you cannot have gotten a Sapphire card bonus in the past 48 months. It’s a great offer for sure though! Great video all around as always Sebby!

@SledgeIncTeam Жыл бұрын

I might go for it even though I'm 18/24 😂

@SpencerJohnsonOfficial Жыл бұрын

@@SledgeIncTeam Get us that data point I guess 🤷‍♂🤣

@SledgeIncTeam Жыл бұрын

@@SpencerJohnsonOfficial it wouldn't be me if I didn't try to defy the odds

@SpencerJohnsonOfficial Жыл бұрын

@@SledgeIncTeam I'd love to see it!

@Craylor Жыл бұрын

I applied for the CFU at 6/24 and was denied. I figured I would be, but I wanted to give it a shot given the rumors of Chase relaxing 5/24. Called recon and the analyst flat out said that it was due to the 5/24 rule and she can’t reverse a decision for that reason.

@chuckobrien747 Жыл бұрын

I was denied solely because of 5/24. The associate specifically told me that I had 5 new accounts in the past 24 months.

@MilesandMoneyMatters Жыл бұрын

Some friends that I referred through my channel have been approved for [a credit card or loan], even though some of them had exceeded the 5/24 rule.

@mattdecker6791 Жыл бұрын

Nope. Just got rejected for the Freedom Flex after watching this and I'm 5/24. Already have the FU, CSR, Amex Plat and Gold, etc.. 806 FICO and balances kept at zero.

@albertvathapally84 Жыл бұрын

I am well over 5/24 and got approved for a Sapphire Reserve this past Saturday.

@macnvettes Жыл бұрын

🥂🥂I got approved at 10/24. They pulled my transunion, which was at 824. All of my cards are personal cards, no business cards, last card before this one was opened 4 months ago.

@nickosborne5434 Жыл бұрын

Just applied for the 80k CSP offer through the chase app and was denied. Currently at 6/24 🥂

@oscelotgreen Жыл бұрын

Sebby is the only person in the miles & points space who is NOT getting paid to push the BILT card. Don't get me wrong I think it has benefits & I'm considering it, but the way some people in this space have been disingenuously pushing it, makes me question the pick up.

@catt5656 Жыл бұрын

Just fyi capital one x travel portal for flights doesn’t allow you to add a stop. Really sucks. Even though our flight has to stop, we just want to stay our stop a few days longer, nope it doesn’t. I even call to confirm. Chase portal is so much better.

@yuhengyanmusic2235 Жыл бұрын

Can confirm based on own experience. I'm currently on 5/24 and submitted my application for the CSP a few days ago. Just got the email from chase saying that my application is approved.

@victoraponte4056 Жыл бұрын

Over 5/24 (7/24) and got approved. Last time I applied for a cc and got an approval was late January/early February. Needed to wait about a 1ish year to be out of the 5/24 jail

@aguileralover11 Жыл бұрын

Hey Sebby! Could you tell me when does the 3 months for bonus spending start counting? When they approve my card, or when I receive the card, or when I activate the card, or else? Also, do all foreign transactions count toward the spending, including online purchases? When does the 80,000 offer expire? Thanks!

@robsawyer8034 Жыл бұрын

80K expires whenever they take it down or when they've reached the amount of targeted customers they need. The 3 months start the date of approval for most cards. All transactions count towards the 4K. In other words, once you charge 4K you hit the bonus. You'll have to pay back 4K as well.

@jeremyrodriguez1535 Жыл бұрын

Just tried and got approved. I am well over 5/24 rule. Thanks a lot!!!!!!! I have been working on my credit trying to get into travel rewards. Keep up the good work!!!

@AskSebby Жыл бұрын

Congrats! Thanks for the data point :)

@nysy97 Жыл бұрын

Sorry if this is a dumb question (most likely is a dumb question). Is 5/24 calculated from the date of the last card you received/got approved for or is it from the date of the oldest card you received/got approved for?

@terryluo7880 Жыл бұрын

The bilt card is still great if you wouldn't be able to pay rent via a credit card otherwise right?

@joeypower7938 Жыл бұрын

I applied last Tuesday at 5/24 and was approved

@lessonstiff7425 Жыл бұрын

Just went in bank and got approved at 7/24 for the 90k offer! Let’s go!

@chriss4396 Жыл бұрын

It seems like banks are getting a bit lenient..AMEX offered me 100K just for upgrading to Platinum from Gold

@MarththeX Жыл бұрын

Hi Sebby! I have to disagree with your take on the BILT card (9:10). I get many people watching your videos are credit card enthusiast (including myself), but I think the BILT card is one of the most underrated travel cards in the market. Sure it does not have a sign-on bonus (this being the main negative of the card), but this card is one of the few travel credit cards with zero annual fee (this is huge for many people who are not that invested into the credit card game and/or refuse to pay any credit card fees). There are perks such as transfer partners (AA and World of Hyatt being the most useful for me), zero foreign transaction fee, purchase protection, and primary rental car insurance (which is rare for a zero annual fee card). 3x dining, 2x travel is relatively competitive to the chase sapphire preferred ($95 annual fee) in terms of multipliers. Another thing is that the rent you charge on this card has no transaction fee (assuming you are able to make at least 5 transactions/per month which is easily doable for most people) which no other card is able to circumvent (at least not that I know of). That being said, I do live in SoCal where rent is relatively high (so I do get a lot of value paying rent with this card). But even if you are not living in an area with high rent, this card can be great for people who want a travel card with perks and don't want to pay an annual fee. P.S. Another negative is that this is a Wells Fargo Credit Card 🙄

@jimmyjames6492 Жыл бұрын

HA! Capital One has really misunderstood and misplayed the luxury CC game. Still no lounge network + cut benefits + "exclusive concert tix for members" debacle + possibly even more cut benefits (speculated). Oh well. Venture X was fun while is lasted. Just another CC that couldn't keep up with AMEX Platinum. Thanks for the info + video!

@jimmyjames6492 Жыл бұрын

🥂🥂🥂

@rthilson Жыл бұрын

If I am an authorized user on someone else’s account do I need to get rid of my sapphire card first ?

@pujanbudhathoki1328 Жыл бұрын

Just applied for CSP, I was way over 5/24 and they approved me lol. I was on 8/24.

@vinhsanity Жыл бұрын

I definitely got an exception to 5/24… I’m at 6/24 until July and not under 5/24 after October.

@qontranami Жыл бұрын

🥂Did JAL first 3 weeks ago into SFO. We were served champagne but I didn’t know about Salon at the time. 😅

@cxarli Жыл бұрын

I could only find the $300 🍾 emoji. I guess my iPad isn’t luxe enough to have the $1,000 bottle.

@AskSebby Жыл бұрын

😆

@rosecityremodel2015 Жыл бұрын

🥂 For the most I have my Chase setup in place. However, if 5/24 is truly gone I would consider Chase partner cards. Not sure which one(s). I would have to run the numbers to see what would work best for me.

@ambermcmullen8209 Жыл бұрын

I don't fall below 5/24 until July. Saw all the buzz last night about folks getting the CSP being over 5/24 so I gave it a shot. Instantly approved Sent a referral to a friend who was also over 5/24, they got approval after calling the recon line

@jamesclark6086 Жыл бұрын

Got denied solely because of the 5/24 rule, after a secondary review from calling the reconsideration line. I was at 8/24.

@robsawyer8034 Жыл бұрын

That's surprising. I know a couple of people that were 11/24 and 13/24. Give it a shot again in a month or two.

@johnl9135 Жыл бұрын

I keep getting a invitation for this card, Chase Sapphire but I don't travel much (not at all in fact). BUT I would like to get the 80k points for rainy day, but it has annual fee of $95. I am so tempted to apply just to get the bonus points and save for future in case I want to travel and keep using it to rack up the points. But I really don't want to keep paying $95 annual fee every year. What is your advice? Get it or dig it? Thanks.

@SheriseMarie 3 ай бұрын

🥂 I think it’s just chase’s way of securing people choose them first for a credit card before any other major players. It’s working as usual as having to prioritize them over Amex right now.

@nayr661 Жыл бұрын

🥂 while it doesn't affect me yet, getting rid of the 5/24 rule is awesome. It's a pretty goofy rule that likely wouldn't have any kind of benefit to anyone.

@ArmandRoseTV Жыл бұрын

🥂🍾Already have the CSR so can't do the CSP. Will be trying out Crockfords soon in LV after watching your vid about the suite.

@EthanPatrick_CreditCards Жыл бұрын

🥂 This is good news for most people! Doubt they’ll ever remove 5/24 but it seems like Chase is relaxing 5/24 with CSP, some of the Ink cards and cobranded cards in the past they have relaxed the rule to get new applications. I’m sure this will happen any time they need new business.

@RAMENLECHUGA Жыл бұрын

I already have a CSP but I've been wanting the CFF. I got approved for the CFF 2 days ago at 5/24

@erocktheboat Жыл бұрын

I’m currently 8/24 and just got instant approved. Have 2 existing Chase CC accounts and an auto loan. Instant approval for the 80k offer through my Chase app.

@mpf2006 Жыл бұрын

If capital one has to do a cut for the venture X they should cut the tsa pre or global entry if anything. As someone who had the card if they cut anything else I will most likely be downgrading

@coreyw5981 Жыл бұрын

How does downgrade path after first year work? Do you still have to pay year annual fee, since it hits at the very beginning and you cant downgrade til after year one?

@fiduciary2244 Жыл бұрын

I'm at 8/24 and got approved for the Amazon card. I know it's not the CSP also I hadn't applied for any cards in over a year.

@MarkvanBuskirk Жыл бұрын

Given the high interest rates at 5% maybe they are allowing high income people with low credit utilization to go past 5/24? A customer utilizing credit costs them 5% and the customer hoarding ultimate rewards points instead of cash let's them invest the money at 5%.

@Prof.LamMath Жыл бұрын

Another data point, got approved for CSP and I’m way above 5/24

@tommykaira7619 Жыл бұрын

I work for Chase. Sebby, I can tell you exactly what the policy and procedures are if you want

@docsays Жыл бұрын

Anything you can post here?

@AskSebby Жыл бұрын

Email is hello at asksebby dot com

@joec4720 Жыл бұрын

I'm curious, been watching a lot of your videos, besides Priority Pass, what would you say is the best CC or way to get into the better lounges, e.g. Amex Centurion, Delta Sky, for families of 4?

@alexfencer34 Жыл бұрын

Was approved last May at 7/24 for Chase Sapphire preferred. But was denied with a targeted mail Marriott Bonvoy Boundless offer about a month ago at 6/24… so looks like their algorithms are kind of all over the place 🤷🏻‍♂️

@MarkSkrzypczak Жыл бұрын

The Bilt card is overrated and not worth a 5/24 slot. I like the idea but no intro bonus and it's quirks to allow you to get points from rent is meh.

@jakeizlove Жыл бұрын

Converting my existing Chase card to the CSP would be cool, but I really don’t need another card. Not even sure when the last card App happened

@vincentchase1234 Жыл бұрын

Sebby would you take the Citi premier 75k offer or the current Citi AA offer your referencing? I am over 5/24 until 6/2024. Home airport is PHL

@vividpaulus Жыл бұрын

Finally I used the two Aeroplan certificates to go to Mallorca Spain. Interestingly, i manage to fit Swiss, Lufthansa, Eurowings and SINGAPORE AIRLINE business classes into this trip.

@kevjak357 Жыл бұрын

5/24 is alive and well. I'm over 5/24 and decided to take a chance since a few vids came out saying it was "relaxed" Not!! I got rejected for "too many recently opened accounts".

@scottshapiro2795 Жыл бұрын

🥂 For CO, I'd much rather them raise the animal fee than cut back on benefits. Even if you raise the fee by $100-200, it's still a lower effective annual fee than Chase, with mostly the same benefits (aside from priority pass restaurants)

@chasehussey3135 Жыл бұрын

I am @ 5/24 and got the Sapphire Preferred. Thanks for the heads up!

@nightblood8109 Жыл бұрын

Hi Sebby! I got approved for CSP just now. Currently sitting at 5/24 and more than 10 recent inquiries in last 6 months.

@AskSebby Жыл бұрын

Thanks for the data point!

@randyg1143 Жыл бұрын

Champagne! Anyhow, Thanks to you and the others in this community we have two great award trips booked for this later year. Japan in late July/august. Flights JAL via Aa and EVA via Air Canada. Staying ihg intercontinentals in Tokyo and Osaka. Trip 2 is a RTW: sfo, Singapore, Bali, Qatar Seattle. Flights sinagapore and Qatar. Hotels Hyatt category 2s upgraded to suites and ritz Carlton’s. Already completed a UK soccer tour with my bestie who got into the game for our trip. AA and klm flights. All of these business class. Thanks again.

@gregb5876 Жыл бұрын

I downgraded my CSR to the CFU 2 days ago. How long should I wait before applying for the CSP?

@EthanPatrick_CreditCards Жыл бұрын

30 Days. And make sure you have waited 48 months from EARNING the previous sapphire bonus (not just opening the card).

@druiz012 Жыл бұрын

My mom applied 7 days later and got approved... but thats just 1 data point. She banks with Chase.

@SinCitizenGent Жыл бұрын

Do they usually offer it this month of the year? Or more than once/ year? I wanna hold off til i pay off 1 more card

@Djindustry_os Жыл бұрын

Just got approved for the sapphire preferred, just hit 5/24 with this card however my oldest card is 1 year 2 months and average age is 8 months and I opened the Freedom Flex at the end of last month. Leads me to believe That if they weren’t pushing to get more customers, I would’ve probably been denied the preferred. Currently score Fico 8 714 playing it chill for the next 6 months

@duanetenney3546 Жыл бұрын

LOL, I am at 6/24 and was denied because I have too many recent credit cards.

@Re3iRtH Жыл бұрын

Had the 2007 Salon on my JAL Tokyo to NY flight. Epic food and drinks!

@julioc4978 Жыл бұрын

would the Venture X benefits suffer from now onwards? I was planning on adding it to my portfolio... Cheers

@pedromontes6776 Жыл бұрын

Just got approved being 7/24! Not including business cards, didn’t think it would work but here we are 😮‍💨😂

@Tulku Жыл бұрын

Do business cards count towards 5/24?

@kevinManhattan Жыл бұрын

NO but you have to be under 5/24 to apply

@Tulku Жыл бұрын

@@kevinManhattan Oh I meant, I am currently at 5/24 including 2 business cards that I opened. If they don't count then I am at 3/24. I've found conflicting answers on this one.

@kevinManhattan Жыл бұрын

@Tulku which business card is it? As long as it's not capital one, it WON'T count. I have Chase and Amex business and it didnt.

@Tulku Жыл бұрын

@@kevinManhattan Thanks, I have one capital one and one Amex.

@kevinManhattan Жыл бұрын

@Tulku yeah almost everyone I know said C1 business reports. I think that's where conflict comes from. I know 1000% Amex doesn't. But good news is that at worst, we know you are 4/24 now. Good luck.

@hikingguitarbum Жыл бұрын

I just got approved for a 19k line of credit for the CSP despite being at 5/24. Feels good!

@kylethorne2237 Жыл бұрын

🥂 I have the Amex Platinum, using your videos as a guide into the CC world. If I can afford it, does it make sense to have both the CSR and Platinum or CO Venture X and Platinum or just go with the CSP with the Platinum. Lots of future trips coming up.

@michaeldiaz6060 Жыл бұрын

🥂 Hey sebby when does 5/24 fall off. I got 2 cards that were applied for 4/16/21 & 4/18/21…. Do they fall Off may 1st?

@MannyCovington Жыл бұрын

🥂Been seeing so many data points about 5/24 being relaxed at the very least

@robb6028 Жыл бұрын

🥂-Currently at 6/24 with CF (OG) & CFU. I got an offer in March for the CSP but I was afraid my score would hurt my chances. I fall under 5/24 in the fall so I’m partial to just waiting. I’m interested to hear more about people getting approved while above 5/24.

@Zeebraw Жыл бұрын

I got the freedom flex card in late November or early December I can't remember. Should I wait to apply?

@qianglin6245 Жыл бұрын

Nice to meet you at SFO before that JAL flight. It sucks that I paid more points and cash, only got business class for one way, while you got first class. I'll keep learning the tricks. Thanks for the good information as always.

@SledgeIncTeam Жыл бұрын

5/24 isn't just 🗑️. It's 🗑️🗑️🗑️

@callmeNeno Жыл бұрын

Stop it sledgehammer ~~ hope you’re doing well

@SledgeIncTeam Жыл бұрын

@@callmeNeno 😂😂

@matthewjimenez6537 Жыл бұрын

🥂- With the CSP being a matured product, I would assume that the use cases where people are able to get it even though they are beyond 5/24 is intentional. My guess would be Chase added additional factors for these customers like minimum transaction count over a 60 day period on chase cards. Basically finding a way to justify the possible increase in interchange revenue.

@AlGibani123 Жыл бұрын

with record high inflation it's no surprise that people are defaulting

@DidIDoThaat Жыл бұрын

I'm currently at 4/25 have been wanting to grab this card. I have seen some comments of people getting mail in offers of 100k bonus points. Is it worth getting now or wait it out even longer? I currently have the Freedom Flex and just got the Marriott Boundless couple weeks back.

@seannovis Жыл бұрын

🥂 I actually really like the 5/24 change. I saw the Reddit post and decided to go for it. Instant approval. I was at 5/24 exactly and would have been 4/24 in November. Only card I have with them was a CFU that I’ve had less than a year.

@CarlosDGamer Жыл бұрын

Hey Sebby, so i have a few questions on business credit cards before i decide to get one. i have done doordash and grocery delivery here and there the past 2 years just for some extra cash. i only made like $4000 in between both. im looking to still do it throughout this year making maybe like $5000. would it be a good idea to get one in my situation. i currently have the chase freedom, freedom unlimited, and sapphire preferred. i also seen the ink unlimited has a 15month 0% and i was gonna take advantage of that to invest in a laptop. could i also use that business card on gas and oil changes etc since im using my personal vehicle to do doordash? and should i still get one even if i dont really plan on having my own business and just planning to do doordash here and there ?