[Update 6/5/19: Many readers got pending yesterday and are now seeing the card show up as approved in their online login.]
Many Chase customers who have a business credit card with Chase are now seeing a targeted offer within their Chase login to apply for a new card which should bypass 5/24. We put this out earlier today as an update to a previous post, but given how widely available this is I’m creating a dedicated post here.
We’ve written before how Just For You offers (found from link in the menu within your Chase login) seem to be immune to the 5/24 disqualification rule, provided that the system shows you a fixed APR on the credit card application. There’s a similar kind of offer found under Just For You for business cardholders as well which seems to bypass 5/24.
Aside from the Just For You offers on the personal and business end, we mentioned (in a May update) that there’s a new kind of offer showing within the card information (right under where it says Pay Card) which also has a fixed APR and seems to be working to bypass 5/24.
This kind of offer is only for business cards, far as I’m aware, and only shows up for those who already have a business card with Chase. However, it’s found in both personal and business logins. (Chase knows you have a business card based on your SSN, so they send the targeted business card offer to both your personal and business logins.) I’m unsure if this offer shows in the Chase app as well.
Check on each of your Chase personal and business card, beneath the Pay Card button to see if you got this. Then, click through and check that the APR is showing a fixed APR. If it is, it should bypass the automatic 5/24 denial. Some people are even getting instant approvals. (Chase does not usually give instant approvals on business cards, so don’t expect that.)
There are dozens of reports today of people seeing an offer there, mostly for the no-fee INK Unlimited with a $500 signup bonus. Sporadic reports of Chase INK Preferred as well. (Data points here and here.) I’ve never gotten any of these Just For You offers, but this targeted offer came my way. It shows on all my cards, in both personal and business logins.
Can anyone confirm that non-fixed APR such as 15.29% – 17.49% will not bypass 5/24?
I saw an offer in my portal today. I want to apply but I am over 5/24 and it is not fixed APR. Thanks for your help.
Don’t see the offer in P2 personal or biz Acct. however, he got it via email. It has a fix APR like the picture in the post. And it said to apply by 9/20/19. Does this mean it would bypass 5/24? Subject line said “still interested in $500 bonus cash back?”
I had the offer for two weeks and was thinking of applying today but the link was already gone from my chase, does anyone know when Chase (if ever) they add it back on to the website
Lol/24 here, saw the $500 offer on my personal login and my business (sole prop) login. Did not see it on my corporate login.
App’d and went to pending, called the status line 3 seconds later and got the 30-day notification. Saw some folks got approved within an hour so I’ll check back in an hour.
did you get approved and are you worried about shutdown due to lol/24?
I am lol/24 and applied on 6/5 through my personal login. Got the 7-10 day message. Today 6/12 I still do not see the new card on either of my personal or business logins but when I call in the application status it does say I was approved with a $12K limit, 0% APR 12-month APR, etc. So it seems I’ve been approved but I can’t explain why I am not seeing the new card listed in my accounts.
I am 16/24 and originally went to 30 days, followed by 7-10 days two days later. Called recon line and was informed that I needed to go into a branch to verify address. They scanned a utility bill and I was approved four hours later.
Weird — have you ever had a Chase business CC before?
Ink Unlimited showed up in my biz login today. I forgot to screenshot the offer. $3k in spend for the $500 bonus, correct?
I got a “Learn More” advertisement with this card. But the pricing & terms does not show a fixed APR. :'(
Applied on 4th. Fixed APR. lol/24. Went into pending. On 5th and 6th, I checked the status 30 days message. I was quite positive then. Today it got changed to 7-10 business days message. Now I doubt it.
did you get it
Got the CIU pre-approval offer for both P1 & P2 yesterday, 6/6. Applied for both, and received pending message for both initially (both over 5/24). New account showed up for P2 on 6/7, but P1 currently doesn’t show anything under pending apps online. P1 credit report was definitely pulled on 6/6, but P1 also has outstanding balance from existing 0% BT offer, so I’m not going to poke the bear at this time. Happy to get at least 1 out of 2, and if P1’s eventually gets approved, that’s just a bonus.
did p1 eventually get approved