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(Dead) Check Your Chase Accounts for Targeted Offers that Bypass 5/24

DDG
DDG

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Targeted Chase Offers that Bypass 5/24

Targeted Chase Offers that Bypass 5/24

Update 8/21/21:

Per Doctor of Credit there are reports of these black star, fixed APR and green star just for you offers failing to bypass Chase 5/24.  This was one of the few ways to get a Chase card when you were over Chase 5/24 but it seems that Chase closed that loophole.

Original Post

Chase has one of the most restrictive policies when it comes to credit card applications. Chase has a 5/24 rule which states that you will not be approved for most Chase cards if you have opened 5 or more revolving accounts (including all credit cards, lines of credit, etc.) in the past 24 months. You can read more about that rule here.

However, it is possible to get around this rule. One way is through “Just For You” offers that show up online in some accounts. The offers show up on personal accounts, with a green star. They should also have a fixed APR as part of the offer (instead of a range). We’ve seen these offer in the last couple of months, and now more people are being targeted. It’s even better if you see offers that say “You’re already approved”.

The signup bonuses are the same as the public offers. After applying for one card the other offers will disappear, so make sure you go for the best option first. The new 100,000 points offer for the Chase Sapphire Preferred is also showing up. That will probably be the first choice for most people.

Conclusion

These are targeted offers, but hopefully some of you will see them in your Chase accounts. More people are being targeted, so if you have checked in the past, it might be worth another look. This could be a great way to get that big 100K Sapphire Preferred bonus, if you are not eligible otherwise.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
DDG
DDGhttp://dannydealguru.com
Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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At Miles to Memories we share the best tips, tricks and deals plus travel rants, musings, hotel, airline and loyalty program reviews and a lot more! Our goal is to help people save money so they can get out there and travel the world! Through our various blog posts, podcasts & videos we teach others how to maximize loyalty rewards, hotel & airline programs and credit cards to achieve amazing things.

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