Bypassing Chase 5/24 Using A BRM & A Paper Application (For Business Cards) [Working On Business Unlimited]

Update 4: Reposting as business relationship manager bankers now have access to a paper app for the Chase Ink Business Unlimited card ($500 bonus) and this also works to bypass 5/24.

Update 3: Definitely working. Make sure a paper application is actually submitted.

Update 2: Despite a lot of denied data points in the comments, it seems like this is still working for some people. It’s possible that some BRM didn’t submit a paper application properly or at all (they receive your paper applicaiton and then enter it in online rather than submitting the paper application itself) and that might have been the cause of the application failures. Here are some recent datapoints: 1, 2, 3, The first comment does a good job explaining what I am talking about as well.

Update: It looks like this is no longer working to bypass 5/24 with a lot of denied data points in the comments.

This was originally a password protected post, but it looks like the same reader posted on /r/churning as well.

A reader (who wants to name anonymous, but is well over 5/24) shared a way they were able to bypass the Chase 5/24 rule on business card applications. The method is pretty simple, basically it seems that if your application is put through by a business relationship manager (BRM) they go through to a special business lending department and they do not deny based on 5/24. It should also be noted that it seems like the BRM needs to put in a paper application to bypass 5/24, this was specifically mentioned by the BRM. If it’s put in online it goes through the normal application process. 

Not all branches have a business relationship manager, technically you’re also supposed to have business revenue of $500,000+ as well. That being said, readers have been able to get BRM’s to put their applications in even if they don’t meet this requirement.

It gets even better though, because if a BRM does put your application in then you’re also eligible for these bonuses:

Being a Chase Private Client used to by pass the 5/24 rule, but Chase removed this ability so I imagine this work around won’t last for ever. Let’s not ruin this for each other, try to be discreet in applying for these cards and please don’t waste time with the BRM or cause a scene if it’s not possible. As always, please share your data points and experiences in the comments below.

A few other things to note:

  • You can’t call regular reconsideration on these applications as only the specialized lending group can handle these applications
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Odrac
Odrac (@guest_1246759)
August 31, 2021 17:04

Sent my application for an Ink Cash yesterday via BRM. Waiting to hear back. 8/30 – pulled EX.

Odrac
Odrac (@guest_1250801)
September 9, 2021 18:25

Following up with a timeline. I was approved today for the CIC. BRM still works in 2021.

8/30 – Submitted application via DocuSign. Requested $3K. Hard pull right away on Experian.
9/8 – Called Chase Business Status Line. Transferred to Rep in Global Lending Services (the specialized group that looks at paper apps. Was told to expect to hear back in 48 hours as the application was in the queue to be reviewed). BRM would follow up if they needed anything from me.
9/9 – BRM called and said the application was approved for their suggested amount of $5K. The card will be rushed and due to arrive in 2-3 days. The account is already showing up on the app and website.

Jon
Jon (@guest_1153916)
March 3, 2021 20:05

Anyone know if chase BRM in branch paper app (they’re digital and via docu-sign now) still by-pass 5/24? currently at 5/24 and looking to apply for ink unlimited. from my understanding, if i do an in branch paper app with BRM, it’ll bypass the 5/24 rule and i wont be denied based on that fact (but can still be denied on other reasons). thanks!

James
James (@guest_1172454)
April 6, 2021 20:55

Have you tried it? Does it still bypass?

George
George (@guest_1172486)
April 6, 2021 22:00

I would think so. I did two but not since 2017. Can’t believe that was four years ago. Seems like this went off the churning grid after they went docusign. At the time I remember some people saying Chase was screening more for higher revenue businesses. I think this specialty lending group that approves these was always geared toward higher end customers. But if you can find a BRM they get a commission so they should help you. Start calling branches to ask but you may need to probe because back when I was looking some regular branch employees would say they could help with business applications which they can but they aren’t aware of the paper apps (now docusign) and may not believe you know what you’re looking for.

Odrac
Odrac (@guest_1246760)
August 31, 2021 17:05

I believe so. Waiting to hear back on mine.

Odrac
Odrac (@guest_1250803)
September 9, 2021 18:26

Hey, Jon. I can confirm BRM still works in 2021. See my recent comment.

Brandon
Brandon (@guest_649086)
September 28, 2018 21:02

As of September 1, 2018, I was at 7/24

September 5 – Chase BRM prepared my Ink Business Cash application and emailed me a link to sign and submit the application via DocuSign
September 14 – Chase requests that I send documents proving the physical address of business
September 22 – Mail Chase documents proving physical address of business
September 28 (morning) – Call Business Lending about application status, documents were received and application is being reviewed
September 28 (evening) – Call again and application approved

Danielle
Danielle (@guest_670021)
November 8, 2018 18:43

I was 6/24 had 9 active personal Chase card accounts and 2 biz. I was approved today for the Ink Unlimited via my BRM and DocuSign.

Ruth
Ruth (@guest_634920)
August 27, 2018 14:49

I just left a meeting with my local area business relationship manager. I reminded him that last year when we put in an online application for the Unlimited, I was rejected as I had too many cards. I told him I still had too many cards but that I read that if he submitted a paper application by fax, the 5/24 rule could be bypassed.

He says he has no paper applications. He said they went away 3 months ago. He said even if he had them there would be no place to submit them.

Frankly, I don’t believe him. I think he’s just not willing to try it this way. And he doesn’t know that I know as much as I know. This is very frustrating as I will probably never be under 5/24.

I wonder if there is a business relationship manager in the next city over?

John Doe
John Doe (@guest_618169)
July 17, 2018 15:28

Tried applying in-branch. Met with a BRM, I was told I was pre-approved, and in the end I got denied (8/24). It’s an online application. I forgot about the Paper/Email Application earlier.

I just texted and emailed my BRM again and am waiting to hear back about the Email/Paper Application.

John Doe
John Doe (@guest_619668)
July 20, 2018 16:00

Just submitted the DocuSign Application. Will see how it goes. I’ll probably get a 2nd Hard Inquiry. Bummer.

Chris
Chris (@guest_621302)
July 24, 2018 16:36

Sorry for the extra inquiry. Hope you get it this time!

Erik
Erik (@guest_601492)
June 1, 2018 16:16

Just talked to a local BRM. He said that today is the last day for paper applications. They will start with E-mailed applications via DocuSign on Monday 6/4/18.

I plan to apply in the beginning of July (after paying down some credit cards to increase my score).

It will be interesting to see if the DocuSign method also works to bypass the 5/24 rule!

SamSimon
SamSimon (@guest_600934)
May 31, 2018 13:26

Paper application for Chase Business Ink Preferred! In branch! With BRM. Only 6/24 – never had a business card, one of these cards is secured card, another card I applied 23 months ago, I said it’s only 4 cards within 24 moths – but they don’t care. sole prop. revenue: $67,400. Rejected. I called 2 times, even BRM called – reached lending department and they stated too many cards within 24 months and they cannot do anything even they cannot reconsider it! Also online I had “Selected for you – Chase Business Ink Preferred”

Matt Katakis
Matt Katakis (@guest_600942)
May 31, 2018 13:50

Was this within the last few days? That sucks either way and sorry it happened to you, but thank you for the DP.

SamSimon
SamSimon (@guest_601071)
May 31, 2018 17:13

7 days ago…. it’s ok, thanks tho 😉
We have 4 player mode…. but chase tighten 5/24 rule….

John Doe
John Doe (@guest_618170)
July 17, 2018 15:29

Dang, that sucks. Even with the Paper Application and just +1 more than 5/24, you got denied =S

I just got denied too – 8/24.

Matt Katakis
Matt Katakis (@guest_600474)
May 30, 2018 10:24

Kicking myself for not going last week. The most recent DPs have me scared about trying this now.

EasternTraveler
EasternTraveler (@guest_600690)
May 30, 2018 17:02

I am looking for a BRM, the one for the South Georgia market has quit and so has the West Georgia market.

Lauren
Lauren (@guest_599947)
May 28, 2018 08:56

PSA: I had a BRM put in a paper application last week. She said it’s a good thing I was there bc Chase was discontinuing the paper apps this week.

Zhi
Zhi (@guest_599710)
May 27, 2018 05:40

So decided to try the paper app & got my first denial this year. They gave a bunch of reasons for denial including having more than 5 open accounts, recent application for credit ( was 3 months ago), too much credit extended etc. I had actually lowered my total credit limit to under 50% which I now regret doing. Other than 5/24, I felt like all the other points could be overlooked. Called 3 different times & they were not willing to approve. Unless you have substantial deposit, your business is not so new & you have good revenues/ high spending, I think they’re beginning to tighten up the bypass route.

CJ
CJ (@guest_600290)
May 29, 2018 15:08

What is the phone number you called to follow up?

Zhi
Zhi (@guest_600700)
May 30, 2018 17:15
  CJ

I called regular Chase recon & when they looked up my app, I was told it was handled by a separate lending department & transferred over.

bax
bax (@guest_600711)
May 30, 2018 17:38

5 open accounts all with Chase, or 5 new open accounts everywhere in the last 24 months?

What does “lowered my total credit limit to under 50%” even mean?

Zhi
Zhi (@guest_600720)
May 30, 2018 18:06

I have more than 5 new accounts in the last 24 months, 4 with Chase. Lowered Chase credit (personal + business) to under 50% of income prior to applying.