Chase Now Limiting You To One Card Per Family/Brand? – Datapoints Wanted [Seems Unlikely]

In late August Chase introduced a new rule for Sapphire credit cards limiting you to one Sapphire card and restricting you from getting the bonus if you had received a Sapphire bonus in the past 24 months. Within the past few days several readers have let me know they have been denied new card applications and product changes for the same reason but with brands/families other than Sapphire. One reader received the following note regarding a product change:

• When selecting the credit card that best meets your needs, please remember that our policy no longer allows for  customers to have more than one credit card in the same product. Applications for a card product you already have may not be eligible for approval. (this isn’t new language)

Another reader was told of the same rule when calling reconsideration on a Chase Southwest card. It’s possible that this is only affecting cards that aren’t instantly approved and it’s due to customer service representatives not differentiating between the Sapphire rule and other card brands but that doesn’t look to be the case. If you’ve recently applied for a Chase card (since let’s say Monday October 9th) please let us know the following in the comments:

• If you have another card within that brand/family (and if so what card it is)
• If you were approved instantly or denied (and if denied what happened when you called reconsideration)
• Anything else you think might be relevant

It might also be a cause of this affecting brands under the 5/24 rule and other brands. I guess we will find out when we have more datapoints.

Datapoints

We are only interested in data points from Monday October 9th onwards, any datapoints from before this data are irrelevant.

• Chase Freedom:
  • Successfully product changed to a Chase Freedom while holding a Chase Freedom on 10/11.
• Chase Freedom Unlimited:
  • Successfully product changed to Chase Freedom Unlimited from Chase Sapphire, already holds a Sapphire
• Chase Ink:
  • Declined for Chase Ink Plus product change from Ink Preferred on 10/13 (should be noted that it’s known that this product change isn’t available but the rep stated this change wasn’t available due to the cardholder already having an Ink product rather than Chase Ink Plus being discontinued)
• Marriott:
  • Applied and received instantly approval for Marriott Business while holding marriott personal (10/14)
•  Southwest:
  • Approved for Plus while holding Premier. Plus application on 10/2, Premier was 28/09
  • Approved for Plus on 10/5, approved for Premier on 10/13