Earning the Sign-Up on Chase Cards Again

Earning the Sign-Up on Chase Cards Again

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When Chase added their new rules restricting customers from earning card member bonuses if they’ve opened up more than five cards in a 24-month period, they fortunately did not include all their cards in that rule.

Exceptions to Chase’s 5/24 Rule

  • Chase Hyatt
  • British Airways
  • Ritz-Carlton
  • IHG
  • Amazon
  • Disney
  • AARP
  • Marriott Rewards Business

While you can keep getting these cards if you’re over 5 cards in 24 months, you cannot earn the bonus on them if you received a specific bonus in the past 24 months.

For example:

You earn the sign-up bonus on the IHG card on August 15, 2014. You must have waited until August 16, 2016 to be earn the bonus on this card once again.

Unlike AMEX, which will approve you but not give you the bonus, Chase won’t even approve you for the product. In some ways, that’s annoying (say you want the card benefits, but not the sign-up, at least); but the positive is that they do not pull credit.

I confirmed this with the Chase Representatives after applying for the Hyatt card.

I last opened the Hyatt card in September 2014. According to my records, I received the 2 night free certificates in October 2014 which means I’d be eligible next monht.

So why did I apply in September and not wait it out?

I called Chase and Hyatt and received two different answers:

  • Chase: After calling the number on the back of my old card, they said they couldn’t find it in the system – which according to them, meant I was good to go.
  • Hyatt: Hyatt said that I received them October 31, 2014. This, I knew, was off in some way.

After applying, my application went pending.

Instead of waiting for the letter to come in the mail, I called up Chase and was informed of the following:

  • I received the card member bonus on this product within the past 24 months
  • Specifically, they were able to give me a date: October 9, 2014.
  • No credit pull was done – this was confirmed by the letter I recieved in the mail which did not provide information on contacting Experian.

Lessons Learned

So if you’re not sure – your records aren’t kept straight, Chase or the co-brand partner doesn’t know when you last received the sign-up bonus – you can apply and not only will you get more accurate information, but it won’t even be a credit pull.

– The Miner

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