Bypass 5/24: Getting a Chase Pre-Approved Credit Card Offer

Chase Pre-Qualified Offers

As we know, Chase doesn’t like to approve those who got five new credit card accounts within the past 24 months. And this week that got extended to many co-branded cards and business cards – previously, it was just for Freedom and Sapphire cards.

Many reports indicate that certain preapproved/prequalified offers from Chase will help you bypass the 5/24 rule and allow you to get approved. This does not mean you are guaranteed to be approved, but that you have a good chance.

Most of the preapprovals I’ve heard about were for the Sapphire Preferred card. Some have been preapproved for the INK card, especially if you have a business relationship with Chase, like a Chase business checking account or possibly if you have other Chase business credit cards. A Reddit member just went into Chase to open a Chase business checking account with a $500 bonus and was told he’s preapproved for an INK card. (That card might have a 70,000 point signup bonus too.)

There are a number of ways of potentially circumventing the 5/24 roadblock:

  • Get a pre-qualified offer in-branch
  • Chase Private Clients seem to have more success getting approved
  • Get a mailer (or an email) with an invitation code
  • Targeted offers might be exempt from the 5/24 rule

Let’s take a look at each of these.

Branch Pre-approval

If you go into a Chase branch, they can check to see if you are prequalified for any credit cards. The idea here is not to simply go in-branch to apply for a card, you have to ask them specifically to find any prequalified offers showing for you.

Many people have gone into a Chase branch for an unrelated reason, and the banker would casually mention that s/he sees that are preapproved for the Sapphire card or a different card. I suspect they make money on approvals so they are always on the lookout to offer these to clients who come in.

In any case, if you get lucky and the banker tells you that you are preapproved for a card, you should be past the 5/24 hurdle and you’ll be able to get approved for the card if everything else checks out.

Be sure to apply in-branch using the pre-qualified offer. Just because you have that offer in-branch, it doesn’t mean that you can simply apply using a regular online application.

Even if you checked the online checker and don’t see any offers, you still might be pre-qualified in-branch. There are different criteria used. (More on the online checker below.)

Private Client

Frequentmiler reports that Chase Private Clients get offers which circumvent the 5/24 rule. (Private Clients tend to get superior offers as well.)

Various data points seem to indicate that Private Clients don’t have the 5/24 limits at all, and they’d be able to get approved even using an ordinary online application (not only in-branch).

Mail Invitation

The other option is to get the elusive invitation-only offer in the mail. Sorry, I can’t tell you how to convince Chase to send you one. 🙂

My friend E* from Demflyers shared with me a picture of what a preapproval looks like. Note the invitation number at the top-right and at the bottom of the letter.

Screen Shot 2016-05-24 at 10.54.22 PM

This preapproval was from a few months ago, sent to someone she knows. They had applied for the Sapphire Preferred card and got denied. A week later they got this invitation-offer in the mail, applied, and got approved.

Targeted Credit Card Offers

Chase will sometimes offer signup bonus offers targeted for specific people. One example an occasional higher-than-usual United MileagePlus offer which requires a login to your United account to see if the system will give you the offer.

Frequentmiler speculates that these offers may not have the 5/24 limitation. It might also vary based on the offer.

Online Pre-Qualify Checker

You can check for your pre-qualified offers from Chase here. There are also similar pre-qualified checkers, such as CardMatchBut we don’t have any evidence that applying through this link will help you bypass the 5/24 problem.

To learn more about pre-qualified offers with Chase and other banks, see these posts:

Note that when using a pre-qualified offer from any method described in this post, you typically can’t use a friend’s referral link. It may be possible to tell the banker that you were referred to the pre-qualified card by a friend, and they’ll be able to credit the friend with bonus points. Let us know if you have success with that.

Thanks also to uscreditcardguide for some good info on this topic

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ZP

May 2019, opened up a biz checking account with a new LLC and was pre-qualified for Chase Ink 80k. A credit specialist called and asked some questions about the biz, moved some credit around and was approved. Waaaaay over 5/24.

hersh
hersh

when i login to my united.com account i see a 70k offer for the united explorer card. is there any evidence that this will bypass 5/24?

William Charles

No

Maaark
Maaark

Hi,
Context: Good credit score (755-770), 1.5 years of credit history with 1 credit card (used extensively).

I applied for Chase Sapphire Preferred and got denied. Immediately, I received an invitations (as shown above) for Freedom Unlimited and I applied and got the card. A week later, I received an invitation for Sapphire Preferred
1. Should I apply for this card as well?
2. Can I get it just a week after getting Freedom Unlimited?
3. If I don’t get it, will my credit score hurt from getting denied twice?

You might ask why I want Sapphire when I just got Freedom, this is because I travel A LOT (for work and pleasure) and hence the Sapphire card would help me so much better than Freedom.
Any help is appreciated, thanks.

Brandon13187
Brandon13187

No man I have one buissness card simplycashplus thats it. Regardless it’s not full proff nothing is but it was 8/24 and csp is now number 9 in less than 2 years. Check out and see if you have any pre approved offers online and if your over 5/24 I bet you money it will go through. Thanks for the tip on the biz cards I know they get reported to a buissness credit report;)

Brandon13187
Brandon13187

Hey guys I wanted to share my story with you. All those who say you can’t bypass 5/24 rule with targeted offer online. I just successfully bypassed 5/24 I’m at 8/24 9/24 if you count simply cash business. Here’s the thing and listen up. If you are a current chase card member. They will send you targeted offers after six months of being a good customer. I still have one for slate at 13% interest zero for 15 months. But ‘listen closely to this’ IF YOU ARE USING A CELL PHONE YOU MUST LOGIN ON TO CHASE DESKTOP SITE ON GOOGLE. IN THE GOOGLE SETTINGS CHANGE TO OPEN IN DESKTOP MODE.NOW YOU WILL BE DIRECTED TO THE MAIN COMPUTER SITE. IF THE SCREEN LOOKS BLUE LIKE THE MOILBILE VERSION YOU ARE AT THE WRONG SITE. HENSE YOU WILL NOT SEE YOUR OFFERS. OR YOU CAN USE A LAPTOP OR PC. THAT IS THE ONLY WAY TRUST ME. IF YOU USE A PHONE IT WILL DIRECT YOU TO MOBILE SITE AND IT DOESN’T HAVE THE OFFERS. HERE IS ONE HUGE TIP THAT YOU CAN TAKE TO THE BANK IT WORKS I PROMISE YOU. FREEZE WHICH EVER CREDIT BUREAU YOU HAVE THE MOST INQUIRIES. I FROZE EXPERIAN AND THEY PULLED TRANSUNION AND IT WORKED INSTANTLY. I USUALLY DON’T WRITE I READ SO THIS IS 100% THE TRUTH! MY CREDIT SCORE IS 757 MYFICO8 TRANS 743 EXPERIAN 735 EQUIFAX. I HAVE USBANK CASH PLUS 5K , FREEDOM, 7K DISCOVER IT 15K AMEX BC EVERYDAY 6K , venture 1 6K, quicksilver 2250k and bbt 2500 k, citi dc 11k and now a Csp 15K 16% interest or the lowest. Lol bypass that 5/24. Ps all the same rules still apply don’t be getting 3 cards in one week then try this it probably won’t work. My last card was 3 months ago and my credit history is 2 years 6 months average age 1 year.and I have no collections no miss payments. I hope this helps someone. Thanks for reading later

William Charles
Chu Zen
Chu Zen

I got the invitation in the mail but used the invitation code to apply online and got turned down because the 24/5 rule. Wonder if the result would be different if I apply again by mailing in the application?

Matt
Matt

Bad news. I signed up for Chase Private Client and took all my savings over to Chase. Just applied for Chase Sapphire Reserve and declined because of too many cards opened recently. Called in and the CSR said too many cards. I asked her to reconsider bc of Chase Private Client and she said there’s nothing she can do. Have 10 total cards all of which are opened in past year.

Any other DPs that show Private Client doesn’t work anymore?

William Charles

You need to ask your private banker to do the reconsideration process for you

Payal
Payal

if your private banker cannot/will not do ad get you approved, kick their behinds and remove all your money from chase, as they do not deserve your business.

Do share your progress/how it goes.

James
James

Anyone know about email offers and whether they carry the same weight as a mailed offer? Got one with an offer expiration date in early October with the message saying offer intended for “” with my email address listed but no invite code one it. It has the apply now links.

Hesitant without an offer code. Also checked in branch and didn’t find a corresponding preapproval.

BobbyJoe
BobbyJoe

Does anyone know how Chase determines 5/24? Specifically, does it mean “5 hard inquiries in the last 24 months,” or, is it “5 new accounts as reported in your detailed account history on your credit report”?

I probably have about 8 new cards in the last 24 months, but my hard pulls are only at 3 on Equifax, mainly because of various bureau pulls and AOR same-day apps. I’m benefiting from the clumping of apps, but wondering if Chase will see it in the detailed account section…

William Charles

It’s based on new accounts.

Jim
Jim

Could people with Chase Private Client weigh in whether they bypass 5/24 consistently? Read on a blog that CPC only extends 5/24 to 6/24 and then auto denial kicks in. On the blog, someone applied for ink plus with CPC and got denied due to 5/24. The most cited example of CPC success is getting CSP, but that is an invite offer with a code for CPC clients only. Considering this new Sapphire Reserve and interest in Freedom Unlimited, would like to know if CPC is worth it. Thx 😀