Posted by William Charles on June 18, 2016
Credit Cards

Published on June 18th, 2016 | by William Charles

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Another Chase Card That Isn’t Affected By 5/24

We broke the news that the Chase 5/24 rule applies to most of the Chase co-branded credit cards (and business cards). In that post I said the following cards were affected (emphasis mine):

  • Chase Business Ink Plus/Cash:
  • All Chase Marriott Cards (I assume Ritz-Carlton is included in this as well):
  • All Chase Southwest Cards:
  • All Chase United Cards:

I had assumed the Ritz-Carlton card was included because of their relationship with Marriott. A few days ago I received a data point from a reader saying they applied for the Ritz-Carlton card after this rule went into place, were well over 5/24 and received an approval after it originally went to pending status.

I asked my source at Chase and they said that the Ritz-Carlton card wasn’t specifically mentioned as going under this new rule and they believed it wasn’t affected, but it might be because of the Marriott relationship. Since then I’ve received additional data points from readers (most via e-mail and this one via Twitter and another) saying they were approved well over 5/24. At this stage I think it’s relatively safe to assume that Ritz-Carlton is not affected by this change.

Feel free to share your data points in the comments below, I’ll try and do a full review of this card shortly.



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Brenton
Brenton

I applied for the Marriott business 100k offer on May 23rd and after about a week received an email telling me the benefits of my new card. I’m way over 5/24, like 24/24.

Shaun
Shaun

Same here. Called the Chase customer service proactively and was approved over phone after agreeing to move around credit limits between Chase business accounts. Am well over 5/24 also.

Rishabh
Rishabh

You applied in May or June?

Shaun
Shaun

I applied on 5/26.

Mike
Mike

I thought 5/24 rules for these additional cards coincidentally began on May 24, so you slipped in under the wire.

David
David

+1 on what Brenton says. I applied and did not receive immediate approval. I let it ride without calling the recon line and have received an email that the card is on the way!

James
James

Would like to see the 140k offer before applying.. Maybe before 2016 closes out?

Diane
Diane

I’m waiting for this one too!

Dave
Dave

I’m not following. Marriott cards are impacted but Ritz cards are not because of the Marriott relationship??

AB
AB

Probably because of the high AF…

DPT
DPT

i applied for the ritz carlton card on may 30th instant 5k approval. i’m way way way over the 5/24 rule. I already had 3 chase cards before I applied. i have a total of 4 co-branded chase cards– united club ,hyatt fairmont and now ritz.

James Carson
James Carson

This may be due to no bonus points to churn. They offer two nights at a Ritz instead. 5/24 might suddenly go into effect if they offer 140k points again and a bunch of churners apply.

Frank
Frank

I doubt even Ink is under the 5/24 rule. Just a month ago, I applied for ink plus just for test and I was approved for more than 12 cards last 12 months. The application went to pending for 2 weeks and got approved. Probably waiting for the pending application is the way to go?

DR
DR

I tried to get the 70K United card and it went pending and then I was told I have too many cards open in a paper letter from Chase.

Pat
Pat

Anyone applied the Marriott business card for the 100k pts lately? I wonder if the business cards are also affected by the 5/24 rule.

Chris
Chris

I applied for the Marriott business card on 5/26 after being way over the 5/24 limit. Took a while but it looks like I’m approved since I see the new card in my chase account.

Rocbydawood
Rocbydawood

Which card’s are not effected by the 5/24 rule

Frank
Frank

I applied for the SouthWest personal and business and denied both for 5/24.

Chris P
Chris P

Ritz Carlton card is definitely not affected. Applied 6/21, approved after one day of initial pending; I was at 26/24.

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