10 Chase Credit Card TIPS You NEED to Know

[@TheCreditShifu]

For those of you wondering about the Amex lending card limit, it used to be 5, but the 4 card limit was confirmed by Amex last year via Twitter, here is the tweet for your reference bit.ly/3Erqp2H

[@Surfer041]

I got the Amex Gold in February, and they gave me the no preset limit. No need for another Amex card. I eat out a lot so I love the x4 points on restaurants. Just received the 60,000 point welcome bonus. I have a dynamic 1 2 punch with Chase Reserve and Amex Gold.

[@jollama]

@@Surfer041 Should’ve applied through Resy for a 75K signup bonus

[@Surfer041]

@@jollama you're right. I didn't realize until it was too late, but I'll take the 60K.

[@tariqowens6127]

Does the Limit of 4 credit cards extend between the business cards and the personal? or only 4 personal cards is the limit for Amex?

[@Surfer041]

@@tariqowens6127 Ben could probably answer this better Than me, but I would venture to say it's for both business and personal cards.

[@jakekarll8294]

I’m well over 5/24, but today I logged into my chase account and scrolled down to see special offers. They said I was already approved for either a freedom flex, and freedom unlimited, or a sapphire preferred all with 5k limits. I was super geeked when I saw that and I thought it was some glitch or maybe a preapproval offer. Nope, my freedom flex is already showing up in my chase account and my card is on its way.

[@philbertshevitz3113]

I'm over 5/24... got denied for another card, call card services reconsideration, they wouldn't budge.....I have a long history with chase, they didn't care

[@jaspersdeblin4158]

Yeah I don’t believe that guy has applied for that many cards and Chase is just giving him cards like candy.

[@MySillygoose101]

lol

[@christiann1743]

I can’t believe you’re explaining to Americans that more freedoms are a good thing 😂

[@noahwilliams8918]

🤣🤣🤣

[@blackmagick77]

I mean, we constantly try to give ours away on purpose anymore

[@fogrunr5075]

😂😂😂

[@oldgreg315]

we're being punked!

[@eametichonmobile]

I think the reason why Chase removed the adding of family members online for points transfer feature was because of increasing online hacks in which points were siphoned from accounts after an online breach and Chase noticed the pattern/issue. In the meantime, this new extra step of phoning it in is to have higher level customer authentication before adding another UR account and sending the points.

[@Tyler-oc9gp]

I applied 4 days before the change to 80k points. Called today and the lady said there was absolutely no way to match it.

[@halogod0298]

That sucks

[@klvAcosta]

Call again, maybe she’s a b*tch!

[@salvadormartinez9331]

I had the exact same situation when I called!!! I signed up for the card a week ago

[@SmoothMoneyMoves]

Same happened to me

[@Ritchie_The_CEO]

Someone fell asleep on the keyboard @ 15:10 into the video.

[@ds5651]

I am all in with chase. Chase trifecta with a Hyatt kicker. Both my wife and I have freedom and freedom flex. Will be downgrading my sapphire when it's time to get a bonus to the reserve

[@AnitaVMoore]

I applied for the CSP at 4/24 and was approved for 60k bonus before the announcement of the 80k coming back. I called yesterday to request a bump up to 80 K bonus...denied. Surprised by the double inquiry (Experian & Equifax) as haven't seen anyone talking about that on KZbin. I got the double on the Chase Flex as well...thought it was because of the branch manager so applied for CSP @ different branch....still 2 inquires!

[@pardawesome]

Every chase card has inquiries on those 2 credit bureaus. No one really considers that as 2 separate inquiries so that’s probably why you weren’t aware of that (people do bring up capital one for doing all 3 for a hard pull though)

[@McChris1]

I actually got hit with 2 hard pulls on Experian for the CSP last week. Still waiting to hear back from Chase regarding the matter. Update: Chase confirmed the error and removed one of the inquiries.

[@buddys1466]

Thanks for tips. The extra payment in the middle of the closing date to boosted credit score back up.

[@AFJojo]

approved for chase freedom flex, 7200$ credit line, mid 600s..they sent me a letter to call them and they approved it. happy af.

[@useruseruseruserme411]

U KNOW WHAT ARE WHAT U ARE TALKING ABOUT BRO....THANK YOU 👏👏👏👏

[@jetduongofficial]

Thanks for the video. To transfer points between family members, do they have to live in same residence/same address? thanks,

[@LogosBKC]

Yes that’s my understanding, but i haven’t applied yet so i may be wrong

[@mikestewart9088]

3th! Lol jk but yes I just became a chase member. Was and still will be Amex, but I bank with chase and they offered me a 100k sign up bonus. Keep up the good work credit shi, I mean Ben. Haha jk. You actually got me back on track with credit. Actually this might be my first comment on one of your videos but I’ll go on Super irresponsible with credit cards between 18-20. Didn’t touch credit for 12 ish years. And November of 20 I looked up your videos and gave capital one and Apple Card a go. Both approved me and now here I am. 15ish months later, 6 credit cards and a car loan later. 720 is my lowest credit score of the 3. All thanks to “Climbing the credit card ladder” and “what should your first 5 credit cards be?” Cheers and keep up the good work. 谢谢你

[@AWFarmer]

That mid-cycle reporting surprised the heck out of me. I don't think I've had the card for two weeks and saw it hit within a few days.

[@joshshapiro9976]

I just applied for this card and got 100,000 welcome bonus

[@mastrkents]

11:52 Some additional data points: I've moved available credit around in Aug 2021, Oct 2021, and Apr 2022 to get approved for the Ink Cash, United Quest, and World of Hyatt respectively. Although the initial denial from the computer/system is disappointing, I look forward to working with the reconsideration agents because they're always super helpful!

[@Th33Vultur3]

I had $3000 on my Freedom Unlimited and $2200 on my Amazon Prime Chase card and moved $400 from the Unlimited to the Amazon one. Now they both have $2600 each.

[@yairramos7095]

I was approved for CSP and I'm over 5/24. I've had a loan with them in the past (auto loan a few years ago) but otherwise made it through the process successfully. I was pre-approved through Experian for another chase card and applied online for the CSP instead and was subsequently approved. They seem to definitely be relaxing the rule in 2022.

[@stefanbucur6472]

Called them to match my 60K offer to the new 80K offer and they said no twice so far. I'll try again until the say yes hahaha

[@stefanbucur6472]

UPDATE: I successfully got them to match it to 80k. The only requirement was that I already spent the $4000 required for the bonus which I did. I got approved for the credit card at the beginning of March

[@TheCreditShifu]

I’m happy for you bro

[@AmezAdvisors]

I got approved for the Sapphire card and was over 5/24 credit was avg 720 but I’ve been with chase for over a decade.

[@jollama]

You can downgrade to the Chase Freedom Visa even though it’s discontinued?

[@fahadmoh7254]

I have a question. It has been 1 year since I got CSP, I wanted to ask if I upgrade to CSR will this affect the 48 month for new sapphire bonus?

[@TheCreditShifu]

No

[@fahadmoh7254]

@@TheCreditShifu thank you!!

[@elbori4365]

New subscriber. Thanks for the info 👍

[@Smart_Think]

Really great info ben! Thank you for the info. I think doing updated series on credit scores and score improvement may be good for new viewers who need to get their scores up. Most people ive talked to about score in last year have no idea how to do it, especially if they have student debt weighing their score down (my score over 800 usually so i know but most are clueless)

[@AshleyMystiqMurray]

Is there a max limit for the freedom unlimited? I’ve been stuck at $5000 limit, while being preapproved for 12000 on the sapphire preserved. I can’t seem to get chase to budge on increasing my limit lol.. my account has been in good standing

[@Surfer041]

I got 70,000 from Chase Sapphire Preferred. Just upgraded to Reserve

[@samsunglg6671]

Excellent seminar

[@Jose-np3lw]

I just got my chase freedom unlimited bonus last month and I was wondering that if I apply for a chase freedom flex card, will I be eligible for the sign up bonus or will I have to wait 24 months to get the bonus on the freedom flex. I know they’re not the same cards but they are both chase freedom cards so I am in a little bit of doubt.

[@jasonsergott5823]

Hey Ben, Can you answer this? I currently have the Chase Sapphire preferred that I have had for four years as of March 18. Can I apply for the Preferred/reserve and get the signup bonus again? Since I'm over the 4-year rule? Or will I need to close my current card and wait a few months to apply?

[@TheCreditShifu]

Need to close the card, and be four years from when you got your original welcome bonus, NOT from when you opened the card

[@MarkReese]

Awesome "point" about transferring points to family members! 😃💯

[@xabierlanda8998]

Hi BEN, ONCE AGAIN GREAT VIDEO, MY QUESTION IS FOR AU, WHICH THE CREDIT LIMIT CAN HAVE OR THAT DEPENS OF THE PEROSN WHO ADD YOU

[@Emerb9]

I am considering downgrading my CSR to CSP. I am coming up on my annual fee for my CSR and I really don't see the benefits of my CSR as I use to.

[@TravelHackers]

I was approved for the Chase Sapphire Card on 1/20 and received my 60k signup bonus the day that the 80k offer was announced. I did call in that day and was denied for the match.

[@andrewweiss1755]

Just got approved for amazon visa at 8/24

[@TheAudioCzar]

Whoa. I didn't know a mail offer could bypass 5/24! I was like why is chase sending me this if I'm over 5/24? I'm at 6/24 with one of those being an authorized user card. Think it's safe for me to apply for the freedom flex? That's what the mail offer is for

[@a3sully]

How often does Chase give automatic credit limit increases?

[@msj56]

Just ask them if you want an increase.

[@lienecarter6411]

@@msj56 they do a hard pull. He’s asking if they ever do an automatic increase so he doesn’t get a hard pull

[@Mja094]

They gave me 2 increases in like 3 or 4 months and I wasn't even in the country so I wasn't using the card lol

[@InsaneSupercars]

Mine was randomly increased last week for my Flex from $4,800 to $28,000 without me calling. I raise my income every 6 months by $10,000-$20,000 on the portal lol. That helps to get a credit limit increase I’ve heard in the past

[@a3sully]

@@InsaneSupercars nice increase. I will make sure to update my income often. Thanks for the advice

[@SpencerJohnsonOfficial]

As a chase user, this video was super helpful! Thanks so much Ben!

[@That_Cyber_Dude]

Good to know Ben. Thanks

[@iTzDritte]

11:14 I have to call the reconsideration limit to shuffle around and reallocate credit limits every time I get a new card. For me it’s much less than 50% of personal income, I make $1M/year, and my total credit limits sum to $110K.

[@TheCreditShifu]

Yeah i think on high incomes its going to be lower. Im guessing if someone makes like $100k, $50k would be about what credit limit they would offer

[@tararao6633]

i also have a hacked card because some person used it to buy flowers and was a thief I was shook at this and I was just not sure who the heck it was. and I am sad and upset and also curious because no one plays with me because I get revved up easily.

[@DallinBunnell]

I got an offer in the mail today for the Ink preferred. I'm at 6/24. Makes me hesitate a little, but why would they send it to me if I'd be automatically denied??

[@salgonzalez9082]

Ben, I had an issue with my current down grade. I had the CSP and tried to down grade to a regular freedom card and they said I wasn't able to do that. I was only able to choose between the Unlimited or the Flex.

[@TheCreditShifu]

Thanks for the DP

[@bizzyboomin9277]

There is no regular freedom anymore that’s why there’s only the freedom unlimited and freedom flex now

[@TheCreditShifu]

@@bizzyboomin9277 hi, the regular freedom does exist still. However you can only get it as a product change option e.g. downgrade sapphire to regular freedom

[@vinnnnnay3546]

I called Chase reconsideration today about reallocating credit limits and they told me you have to be approved for the card before you can ask to reallocate CLs

[@Zemboy01]

Is there a way to get the old Chase Sapphire card? I see you have it in the thumbnail but not in the actual video.

[@TheCreditShifu]

Product change

[@MARKA-dy8sz]

So the 48 month rule for the sapphire start when you received the bonus from the first sapphire not when you got approved for the card? It took awhile before i got the point after making the spend from the first sapphire. I received the card in late 2019 but i think i got the spend early 2020. So wait till 2024 to be safe?

[@Jefford717]

Will you be eligible for the sign up bonus for the freedom if you downgrade from Sapphire? Wait what?! You can have multiple freedom? Like 2 Chase Freedom Flex?

[@chikaadiele3155]

Wow! I was wondering why my credit score went up after paying off my chase freedom flex balance. Now I know! Thanks :)

[@fogrunr5075]

So far that's the best thing I've heard about Chase, that they will report to the credit bureaus off cycle when you pay your balance to $0. That's the most pro-consumer proactive thing I've heard that they do. I wonder about Capital One and Citi in this regard...

[@AlexGomes]

Please do a review of the Sable card, their debit and secured credit card! I would really like to see your opinion on it. I personally use it.

[@sunshinencoastlines]

If I have downgraded to a regular sapphire (not a CSP or CSR) a few years ago. Will that work against me when I reapply for the CSP with the 80,000 pts? Thanks!

[@TheCreditShifu]

Supposedly you need ti product change that sapphire to a freedom first

[@MahoneyBadger]

I know business cards don’t effect the 5/24 rule, but I thought they were still subject to it. Like if you are in 5/24 jail from personal cards, you can’t get a business card. Is that incorrect?

[@sunday7489]

any idea on when 80k welcome offer was ended for CSP ?

[@mitchell.9632]

Capital One will not honor offers they mailed that you get after you applied for the card. Just _do you want to apply for a second card?_

[@elbori4365]

Will it raise my credit score if I become an authorized user on someone's Amex card? Also, does Chase do a double hard inquiry to approve for the freedom flex card? I applied and was approved for the Freedom Flex, but my credit score dropped 12 points.

[@tram4795]

could you clarify more on extending december statement for SW pass. My closing statement is the 16th of every month. Does that mean my end the year statement is not 'till 1/16/2023 (not 12/16/2022?). meaning if i aim to reach 125k by that last statement then the companion pass will be start 2023 and ends 12/2024?

[@jacket106]

Just denied on the CSP for the updated bonus.

[@guaparra2]

Ben does the Capital One spark business card shows or appear on your personal report meaning towards 5/24?

[@kalmtraveler]

when I googled this, it seems that CapitalOne business cards do show on personal credit.

[@aerofpv2109]

When you say Chase does that include JPMCB? JP Morgan Chase Bank?

[@TheCreditShifu]

Thats the same thing

[@tommyjohn_45]

Does the 48 month rule start from when you're approved for a card, or from when you earn the sign up bonus?

[@TheCreditShifu]

Bonus

[@charlesaviafeder1039]

I applied for an Amex business card in it does show up on my personal credit report

[@lonz0_0]

Could you transfer points to your partners cards if you are not married but live together?

[@mlodyme3675]

Chase really need to update their Freedom cards. Their designs with embossed numbers look so dated and for instance dont fit very well in things like Apple Wallet

[@shengduh8740]

Ben great video as always. I wanted to ask you I applied for the CF card about 7 months ago with a $900 credit limit. However, I received an offer to apply for the CSP or the CSR, a month ago and I choose to go with the CSP. My question is for the CF since it’s been a little over six months do you recommend calling chase and ask for a CLI or should I wait for CHASE to automatically give me a CLI for the CF. Your thoughts

[@TheCreditShifu]

I think you can call. If you have the CSP, then Chase already trusts you with a $5000+ credit limit. So i would say call and ask. You can say it is so you can keep credit utilization lower on the card. You should easily be able to get $2500

[@shengduh8740]

@@TheCreditShifu I called the reconsideration line and they told me that they will mail me a letter in 1-2 weeks about their decision. Is that a good or bad thing Ben

[@TheCreditShifu]

@@shengduh8740 for a credit limit increase that is not a great sign, normally get get approved over the phone

[@shengduh8740]

@@TheCreditShifu really! So what would you recommend? After getting that letter should I call the reconsideration line after receiving that letter

[@shengduh8740]

@@TheCreditShifu the chase reconsideration line deni my application they said that my income was to low and that my credit utilization was pretty high. Is that legit or would I be able to call them again and see if they could reverse it

[@kazi1]

Great tips

[@rickc.3552]

Does the 5/24 rule apply to department store cards?

[@dwalker6868]

Thank you

[@kalebwaters7539]

Any word on if the Hyatt card being one of the co branded cards that you mentioned that Chase relaxed on the 5/24 rule?

[@guaparra2]

is there any difference between Chase Sapphire preferred and chase ink preferred in benefits? I applied for a business checking account they give you $300 with a $2,000 deposit but... there's this new offer I found at Dr of credit which says they give you 750 if you deposit 20 grand. do you know if I can change the offer for the latter. I open the account 2 weeks ago and I haven't got the bonus yet since it has to be 2 months for you to get the bonus.

[@VincentPascual]

Yes. On the Ink Preferred, you won’t get any more than 1x on dining, but you’ll get 3x in travel. Also, the CDW benefit is primary only if a rental car was used for business purposes, but otherwise is secondary. Sapphire Preferred’s CDW is primary. Sapphire Preferred gets you the multipliers for online groceries and streaming, as well as the $50 hotel credit and 10% anniversary point bonus.

[@guaparra2]

@@VincentPascual sounds like the preferred sapphire is better to me. the only things that are actually worth it from it is the $50 hotel credit and the 10% more bonus each year. thank you for the response.

[@LooseJointhiphopdance]

Hey Ben. This is incredible. I missed an opportunity to credit card stack when I applied for my new NF Go Rewards CC which I got 25,000 credit limit YAY!!! My FICO score was 830-840 by the time I applied for the NF Card and I had been a member of NF for 1 year. I don't have any chase cards and the only other credit card is my Discover It Card. I didn't think to apply for Chase Safire Preferred or any of the cards until it was too late. I'm still waiting for my NF CC in the mail. When do you think is the best time for me to apply for a Chase card whether it be Chase Flex or Safire Preferred? Thanks in advance.

[@veebell4921]

Hi Ben after watching this videos I have a question. At the moment I have a 90k offer from Amex I received in the mail for the Gold card but I kind of thinking about applying for 80k offer from Chase. I want both but I know I will be making some big payments to be able to do the 4,000 in 3mons with chase. But which one would you recommend getting first?

[@kevincarmody8259]

Do you have other chase or Amex cards?

[@veebell4921]

@@kevincarmody8259 I have a SW card and a few other Captial ones (no AF), and an Apple Card.

[@kevincarmody8259]

@@veebell4921 I would do some research and see if it fits better to have a chase or Amex trifecta with your spending categories. If you are looking for something simple with minimal Annual fees go chase for sure. If you eat out a lot the gold might be better because of multiplier and signup bonus

[@veebell4921]

@@kevincarmody8259 Thanks! Personally I was thinking of doing the Chase trifecta down the line and just have the Amex Gold for travel. I can use both with the type of spending my family does and we love to travel that’s why I have been looking into both. We do both eat out and make groceries often (so that’s where the Amex Gold comes in). And I know you get more points with the transfer of points in the chase portal that’s why I thought about the CSP and I like the rental insurance that comes with it.

[@kevincarmody8259]

@@veebell4921 The credits on the gold are great (if you’ll use them), and I think it would be good to diversify the transfer partners you can use if you aren’t loyal to a certain brand. I’m doing the chase trifecta too because it’s so easy and makes a lot of sense. I did get the Amex blue for the 6% at the grocery store though 🔥🔥.

[@morgichor679]

chase stopped matching sign up bonus, i got CSP 25 days before this and they declined when i called.

[@TheCreditShifu]

So you would have got it in March. I recommend if you got it in April call, some people have had success with that, look further down the comments, one guy did get it matched

[@sudhisira]

Is Chase Freedom (plain, not Flex or Unlimited) only available as a downgrade option now? Thanks!

[@TheCreditShifu]

Correct

[@sudhisira]

@@TheCreditShifu - thanks!

[@sudhisira]

@@TheCreditShifu - and a follow-up question. Are the 5% categories of the plain Freedom card always identical to the 5% categories of the Freedom Flex? Or can they differ?

[@TheCreditShifu]

@@sudhisira identical

[@kylefredrickson7154]

If I downgrade to a freedom card, am I still eligible to apply for the flex or unlimited and get a welcome bonus? Also, if you get a bonus on the freedom flex, do you have to wait the 24 months to get a bonus on the unlimited? Thanks!

[@danielcrotty8697]

Maybe I’m just a weirdo; but I I feel like I may never get a Chase credit card because I like applying for new credit cards too much lol. I’d probably add Citi and US Bank to that list as well. AmEx FTW!!!

[@WvlfCvlt]

Iv been with Chase for 14 years they never given me a credit increase! I use Chase more than any other card. I have 4 cards with them Chase freedom Unlimited which is the first card I received with them. The Freedom, the Sapphire Preferred and the Flex card. I have 19k on CSP, 9500 CF, 20k on Flex all I wanted was for them to increase my credit limit on CFU from 8300 to around 20k. I payoff my balance every month and My credit score is 807 and I only use 2% utilization of all my credit. They still wanted to do a hard pull (hate hard pulls) even after I told them I never received an increase. I know I can move credit around but I want more credit bc it helps keep my utilization down and push my score higher.

[@DH-mp6fg]

I’ve had two credit increases in the last 6 months. Crazy how they decide these things..

[@garylee2635]

@@DH-mp6fg Just max out the balance and pay it off a few times. They'll ask you.

[@jtreedy116]

I'm in a similar boat, though I only have a Freedom Unlimited. Had it for nine years now and my limit has been 8500 for the past four. I called to ask for a limit bump, declined when they stated it would be a hard pull. (Aside - this BUGS me, I have an existing relationship, and Chase knows I have excellent credit...) Associate on the phone told me just to keep my annual income updated and limit increases would come. Honestly, I think it's because to them I am a super dirtbag who pays in full every month. I get it, they're not making any money on me and I'm not carrying a balance... Also with Chase, I have been pre-approved for Preferred or Reserve for years now, but have never taken them up as I do about zero travel each year. The wife and I are boring folks who stay at home. Those two cards don't do much for me. I've noticed that the pre-approved credit limits Chase is willing to extend to me have gone down down down especially in 2021 and 2022. Cool, I get it, the economy certainly appears to be changing so perhaps prudence is warranted, but honestly, Chase isn't doing much to entice me. I'm at the point that if you're offering less than a 20k limit I don't have time for that nonsense (and again, those two cards, Reserve especially, do nearly nothing for me in terms of rewards). Long comment, I know, but I'm finding that I get much better products/offers from the more niche institutions that not everyone has access to. Navy Federal and USAA have far more attractive products for me these days.

[@70cent64]

What’s a good way to raise credit limit with chase?

[@sydney2462]

What's your limit now? Keep in mind if you ask, they will do a hard pull again.

[@70cent64]

@@sydney2462 I only got a limit of $500 unfortunately ☹️

[@sydney2462]

Keep working on your credit profile, maybe consider opening a checking or savings account with Chase, then ask.

[@chrisbrown8748]

I’m so annoyed that I still have four months until I’m below 5/24 and the card I will apply for at that time is the CSP which obviously by that time the 80k bonus will be a thing of the past.

[@Baseball-wg8zh]

I think it'll go back to 100k soon enough

[@m5387]

You can still downgrade a CSP to a regular freedom card? I thought you could only get the freedom flex now

[@TheCreditShifu]

You can get the old freedom

[@m5387]

@@TheCreditShifu good to know, thank you!

[@irainkoolaid]

yea chase is lame and wouldnt match the bonus for me when it went up after a week, that was the reserve card too so lame.

[@overworked30]

I got preapproval offers at the ATM

[@DCGEMINI202]

I applied for the united club infinite card at 8/24 and was denied 🙅🏾‍♂️

[@DCGEMINI202]

@Vanessa Campbell (Credit Counseling Consultant) r u replying to the fake ben hedges?

[@guaparra2]

what business credit cards don't show on your personal credit report? I heard in the past discover and Capital One cards appear on your personal credit report

[@TheCreditShifu]

Amex, and I believe Capital One used to but doesn't anymore

[@jorgeluiscorrea992]

Chase, AMEX, and Bank of America don’t

[@guaparra2]

@@jorgeluiscorrea992 great thanks

[@abc-gv4cm]

hey ben i used to use credit cards but one i cut up cause it was moms and the rest i maxed out cause those banks had previously taken advantage of me three years later all my loans were erased and my credit score was fine any advice?

[@seanlal1904]

So if you are pre approved but over the 5/24 can you still get one? This one is a little confusing

[@TheCreditShifu]

Its one of the possible ways, still now guarenteed

[@seanlal1904]

@@TheCreditShifu you the man ben went into a chase today and got approved for CSP thank you for this vid 🙌 feels good to be in chases eco system now

[@jra5099]

I never miss a payment and I have never got credit increase in 5 years

[@teesmith7972]

Same here but I do have high utilization

[@uHnodnarB]

What happened to the onscreen text at 15?17?

[@nursekazhasaknife9124]

Ooof above my head

[@DCGEMINI202]

I got mine when the CSP was 80k and a week later 100k came out and i called and i was denied the extra 20k😭

[@koreypaul6698]

💔😞

[@wjjrwjj]

Business credit card chase do have pay in full every month

[@TheCreditShifu]

No

[@b787sotelo]

Chase in here like ✍️✍️✍️

[@Sky-9299]

I applied last year to get 80K before the 100K came out. Can I still call and get it😂

[@TheCreditShifu]

lol

[@katbax55]

5/24 doesn't apply to Biz Cards

[@TheCreditShifu]

It does apply to getting a biz card, but biz cards dont count towards 5/24

[@katbax55]

@@TheCreditShifu Ben thx for the response. I actually applied for CSR/Personal but was denied due to 5/24 - so now I'm using same inquiry for the Biz CC instead.

[@guaparra2]

Ben i just got 3 Chase cards 1 in 12/15/21 flex 2 in 01/15/22 ink cash 3 in 04/01/22 ink unlimited i want to go for the ink preferred on may on small business week. do you think it's too soon? if yes when do you think i should apply then

[@tobbykolby1042]

The course

[@kauigirl808]

I hate Amex. They never increase my cards.

[@WileyJordan]

AmEx give the biggest increases.. You just have to apply..

[@qahtanalqaysi5116]

AMEX limit 5 lending credit cards 💳

[@TheCreditShifu]

4 card limit was confirmed by Amex on twitter last year, here is the tweet for your reference bit.ly/3OnLgIv

[@qahtanalqaysi5116]

@@TheCreditShifu it changed, I already have 5 lending cards 💳 which Helton Honers personal and business, Delta Gold personal, Amazon business, and Blue preferred personal. So it has been 5 for few months.

[@LaFamiliaRosa]

🚢 ✈️

[@SetAlecFree]

I got 100k :)

[@kazi1]

Hi

[@DCGEMINI202]

Amex limit is 5. I have 3 personal and 2 business cards plus 2 charge cards

[@TheCreditShifu]

Amex confirmed it was 4 last year, if you had cards before the change, then you may be grandfathered in. Here is the tweet where they talk about it bit.ly/3Erqp2H

[@DCGEMINI202]

Maybe i was grandfathered in since my first card was back in 2019. Just got my 5th card in the mail yesterday

[@JamRTSilva]

I got my 5th Amex credit card ( Hilton Honor) last November 2021. Also have 4 charge cards. Maybe I’ll push my luck and go for Amex Blue Preferred next.

[@DCGEMINI202]

@@JamRTSilva don’t do it. They’ll make you cancel one. You can move the credit limit from one card to another then cancel the lower limit card

[@EnigmaTanker]

Wohoo