My wife and I were just approved for the freedom unlimited with 3% back on all spend for the first year. LETS GO
@Creditcardnerd3 ай бұрын
Got approved for chase unlimited with 5/24 now im 6/24! It was my first chase card!
@funny2thag3 ай бұрын
Congrats. Did you get the sign up bonus?
@Creditcardnerd3 ай бұрын
@@funny2thag yup!
@jonathanorozco-t1p3 ай бұрын
What does 5/24 6/24 mean
@SabreLeonheart3 ай бұрын
Haven't been 5/24 in like 6 years lol 😂
@shawn.credit3 ай бұрын
56 cards stacked I could care less about Chase approvals lol built this avoiding Chase!
@shawn.credit3 ай бұрын
@@lukal707They offer nothing I don’t already get elsewhere I have superior travel cards.
@jeremycain24913 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).
@Trucker-X3 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.
@rrt083 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.
@User-dh4xj3 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?
@doctorcrayons3 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
@AskSebby3 ай бұрын
Mainly credit score, credit history, and utilization unless you have a brand new credit file.
@benchoflemons3983 ай бұрын
They do mention deposit relationship in AAs but idk if it’s DDs or balance.
@doctorcrayons3 ай бұрын
@@AskSebby currently DD with them, but was looking to moving my banking elsewhere and just keep an account open with them
@mjingj3 ай бұрын
The 5/24 is not hard rule.I got a sapphire preferred recently at 6/24
@zyzzuschrist34103 ай бұрын
Hence why Sebby said “most Chase cards” 1:19
@zyzzuschrist34103 ай бұрын
Plus it’s possible your 5th and 6th cards haven’t reported to the report chase pulled
@TheArtistFKApingaso36873 ай бұрын
Were you approved outright or did you have to call the recon line?
@mjingj3 ай бұрын
@@TheArtistFKApingaso3687 I applied in person, got denied, the cs was called up, they reviewed my credit and approved me.
@luiscristianfloresgarcia83193 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?
@KingLazy933 ай бұрын
I wonder if I can downgrade from the Freedom Flex back to the OG Freedom card
@dmunozg3 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 ;-)
@alexzang16273 ай бұрын
From CSP or CSR can only downgrade to CFU because Flex is Mastercard
@lejendmerchant64723 ай бұрын
🥧 the cards that you used to make the 🥧 charts, do you have them all listed somewhere?
@ctcristo3 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.😂
@MrMAXIUMS3 ай бұрын
does that 24 month SUB rule apply to business cards like the ink?
@02Hrothgar3 ай бұрын
No it does not
@christiansailor28803 ай бұрын
Where'd you get all those chips, Sebby?
@levimachado3 ай бұрын
Since you mentioned it, i've been on pop up jail for years. How do i get out?
@JonRichenberger2 ай бұрын
Have to spend your way out. Which unfortunately means losing out on some points you would gain with a superior earning card.
@neckface7772 ай 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
@ep4113 ай бұрын
🥧 i was rejected bc of the 50% rule. How long should I wait until i should apply again?
@wbeck43 ай бұрын
Have you seen several cases of Chase approving for a CSP when total CLs will land at 54% of income? 🥧
@lacrosse80113 ай бұрын
🥧 What happens to your CSP points if you downgrade to a no annual fee card? Can you still use them?
@AskSebby3 ай бұрын
You keep them since it's the same account.
@cjbtantay23 күн бұрын
Nice Sebenza
@TonyBuyer3 ай бұрын
thank you for the video 🥧
@chrisoverbey59373 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?
@ARmarketing3 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?
@RC943323 ай бұрын
🥧 good video
@User-dh4xj3 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
@AskSebby3 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-dh4xj3 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
@zyzzuschrist34103 ай бұрын
W Sebby
@eelfood3 ай бұрын
🥧 one more month and I’m under 5/24 again.
@Lifeissorich.3 ай бұрын
Woot woot 🥧
@ssriradc3 ай бұрын
🥧
@YumDex3 ай бұрын
If you’re still applying for chase card BESIDES the reserve, then what are you doing. There is many better cards
@justsmy56773 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.
@Adiscretefirm3 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
@mayachelsie40723 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).
@zyzzuschrist34103 ай бұрын
406 more days until I’m under 524 😂
@AskSebby3 ай бұрын
😢
@lianalonge19843 ай бұрын
I have 377 days remaining. 💳🗓️
@thecreativecontessa3 ай бұрын
😂
@davidtrzil3 ай бұрын
🥧
@freefalcon3 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-havesmartswilll55083 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.
@AskSebby3 ай бұрын
That is awesome!
@texassecession64223 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.
@poesyfan283 ай бұрын
Credit limit to income with chase rn is about .67, curious if my next card causes an issue
@ARACELICANO3 ай бұрын
🥧 currently at 5/24, will be applying for an Ink in August
@ShadowRaptor83 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
@tumbleweed19763 ай бұрын
Under 5/24. Chase Saphire Reserve has been my ongoing choice for 5+ years 🥧
@cesarsanchez96973 ай бұрын
Pi 🥧
@James-bf7dk3 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
@meadows53673 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-gw1lw3 ай бұрын
You’re so cool!
@tammysmith95443 ай бұрын
🥧
@wp43103 ай бұрын
I am curious about thatist of 61 cards worth getting in general....
@czrs853 ай бұрын
Capital one next please. Still under 3/24 right now.🥧
@justsomeguy55073 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
@coedshowers3 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?
@JazzyMarineVet3 ай бұрын
Sebby got a shape shifting voice👽👾🌚☠️👻
@Df8s3 ай бұрын
January 25 will be out of 5/24😢
@RichColemanTx3 ай бұрын
🥧🥧Were any of these rules new? They all sounded like they were the standard historical rules.
@AskSebby3 ай бұрын
The pop up notifications are new.
@Coder-jy5ih3 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.
@laughter953 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-jy5ih3 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.
@pole-star21183 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.
@PKDN2153 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!
@robduboux86683 ай бұрын
5/24 only for credit cards or new accounts. Car loan count as a 5/24 slot?
@lonz0_03 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!🥧
@AlbertoPerez-hr6mu3 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.credit3 ай бұрын
Yes, it counts as a new account (card) on their credit profile.
@PointsPrecision3 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.
@ericchang95683 ай бұрын
If I downgrade the Sapphire Reserve to chase freedom, will I lose the points? Thanks 🙏
@sharoky133 ай бұрын
Under 5/25 and looking into a business card next! Thanks for the great info as always Sebby. 🥧
@iFrankie.Ай бұрын
Have CSP currently might apply for freedom unlimited in 2-3 months since I just got my CSP I’ll be at 4/24 then and then get Amex Gold as my 5th card or look elsewhere to see what’s on the market
@Albara-iv7xd3 ай бұрын
🥧, do Ashley store card from synchrony bank count towards 5/24?
@richardcyphers95293 ай бұрын
Not happy with Chase 5/24 rules 😬😬
@MyWillbot3 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?
@AskSebby3 ай бұрын
Yes
@ronaldhu3zo3 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!
@BradXiao-uo2jq3 ай бұрын
Applied chase cash at 3/24 with 751 experian score. Got denied due to only 1 year and 2 month credit history
@funny2thag3 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.
@KeithM-ht6zc3 ай бұрын
How do you lower your credit limit or “carve” out your credit limit on existing cards before applying for a new one?
@AskSebby3 ай бұрын
Send a secured message or call them.
@jaqcowell9193 ай бұрын
🥧
@redrumboi563 ай бұрын
Does anyone know how long does it take for an approval after applying for a chase credit card?
@mikecumbo75313 ай бұрын
I got my CSR approval in 5-10 seconds after submitting the online application.
@yvjyang3 ай бұрын
🥧
@tatiyanaRDH3 ай бұрын
🥧 3/24
@vebtran3 ай бұрын
🥧
@bkkchu3 ай бұрын
🥧
@RAZZAQ.A3 ай бұрын
🥧
@TeslaRoadtrips3 ай бұрын
🥧
@cvdaneriАй бұрын
I've had the CSP for almost 2 years now. If I upgrade to the CSR now, (given the 48 months rule), will I be eligible for the welcome bonus again 2 years from now?
@AskSebbyАй бұрын
Yes
@isagsd55023 ай бұрын
🥧
@rindraneel3 ай бұрын
Does the 5/24 apply for Business cards ?
@nickmazzio66223 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
@xplosive8882k33 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?
@AskSebby3 ай бұрын
To keep business and personal expenses separate?
@ryanshannon69633 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
@luannehorne6973 ай бұрын
Hi- Is there a downgrade path for CFF and CFU?
@williamlinden7323 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.
@AlahnaDaBombFR3 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
@AskSebby3 ай бұрын
You should be fine.
@garygretarsson2 ай 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.
@Fish4Points3 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
@jcaceres5163 ай бұрын
Amazon counts as 5/24? Im currently 4/24. This is the only card im interested in right now
@doujinflip3 ай бұрын
Yes. It doesn’t have to be a Chase card either, all non-business card approvals count against 5/24
@jonathanlopez33153 ай бұрын
@@doujinflipthe Amazon Visa you could get approved even over 5/24 because it's called Co-branded Card
@knightultimate83563 ай бұрын
First
@AskSebby3 ай бұрын
🥇
@bmolale0813 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 💚
@AVIONBLANC3 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.
@Tierhog7743 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.
@basilhamed30393 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
@UyenNguyen-ob9eg2 ай бұрын
If I have the CSR 6yo, can I downgrade and apply for bonus for CSR again within days of downgrading the card?
@down2earthz2 ай 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 don't get me wrong I was just curious. Now I know a little bit about it for some psychological reasons. 😀
@dw44213 ай бұрын
🥧I'm under the 5/24 rule. I want to get the Ritz Carlton but I'll wait.
@IdkidfcCJ3 ай бұрын
Does the 5/24 rule count non credit card hard inquiries?
@ovx233 ай бұрын
Im at 7/24 Will be at 5/24 amd the end of june 2024
@michaelhall74723 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!
@ThePerfectElement5553 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
@rv32773 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?
@texassecession64223 ай бұрын
Yes
@Milkinporsche3 ай бұрын
But why would I apply for a card without sign on bonus😅
@PK_GlobalTravels3 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?
@MarkBacera3 ай бұрын
@asksebby is it really confirmed that Cap1 venture x business eats up a 5/24 slot? I've read of data points showing both yes and no. 😬