Yesterday Doctorofcredit blog has alerted readers to a discussion that was taking place on Reddit.com Many people are reporting getting denied for Chase cards that were previously not subject to 5/24 rule. I’ve been following data points as they were trickling in, and here are my thoughts.
1) It’s extremely likely that Hyatt card is now subject to 5/24 rule
I’ve seen more than ten reports saying that they got denied for Hyatt card, and the reason had to do with too many opened accounts in the last 24 months. The switch must have happened within the last few days. Interestingly, a few people who got approved despite 5/24 status, applied via referral links.
Personally, I’m not convinced that there is some secret sauce when you apply via referral as opposed to affiliate link, though anything is possible. It’s important to keep in mind that some applications take a few days to process, so if these folks applied Monday, they barely skirted under the old rules. Nothing to do with the referral link itself.
Still, if you want to give it a shot, here are our personal links for Hyatt card. Thanks if you use them! Again, I’m not sure it will help and I certainly don’t want anybody to waste a hard pull on my behalf. But let me know if you get approved/denied because it would provide a helpful data point.
Leana’s Hyatt card personal referral link
Nancy’s personal referral link
2) It’s somewhat likely that Chase British Airways Visa (plus Iberia and Aer Lingus cards) are now subject to 5/24 rule
The data is not as conclusive as one on Hyatt card, but it’s not looking good. As I’ve said earlier, it’s easy to disregard one or two reports because trolls love to sow discord and create panic. The more people report the same thing, the more likely it is to be true.
3) The jury is still out on IHG card
I’m thinking that it falls under 5/24 rules, but there are a few reports of getting approved. Most people are applying for Chase BA Visa or Hyatt card, so it’s hard to gather solid data on IHG offer.
I recommend you follow DoC post as well as Reddit thread for all the latest updates.
What you should do now
Unfortunately, if the switch is hardcoded into Chase system, there isn’t a whole lot you can do other than wait till you are under 5/24 limit. If you really, really want Hyatt credit card, it could be worth trying to apply via personal referral link (either mine or someone else’s). As I’ve mentioned earlier, I’m skeptical on whether it will help, but it could be worth a shot. Your call.
If you regret not pulling the trigger sooner, I suggest moving on and not worrying about it too much. As I like to say, you win some and you lose some in this hobby. There are other deals on the market, and Chase is not the only game in town.
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Author: Leana
Leana is the founder of Miles For Family. She enjoys beach vacations and visiting her family in Europe. Originally from Belarus, Leana resides in central Florida with her husband and two children.
My hubby was approved for Chase IHG and British Air on 11/1 and he is way over 5/24 so it must have just happened. Wow, can’t believe we got those in just under the wire, I had a suspicion based on all the hints from the bloggers – Thank you!!!
I am trying to get under 5/24 which is so painful. As long as business cards don’t count I am hoping to be there by July 2019. Still so far away!
@Sarah Definitely good timing! Yeah, it’s not looking good based on recent reports online. I think the new rules kicked in on Monday or Tuesday. Unless it’s some sort of fluke, all Chase cards are now subject to 5/24.
Such a bummer! I’m so glad I got the Hyatt card this summer and just squeezed in the IHG card a few weeks ago!
No kidding!! Amazing timing. I got two BA Visa cards recently as well, and feel super happy about that. I was thinking about applying for IHG card in a few months, but it’s not a huge loss either way.
I feel like in this miles and points hobby, I will always heed the advice of the rumors because they are usually true. I’m still kicking myself for not applying for Southwest cards before the original 5/24 went into effect. Oh well!
For sure! Chase exec went on record earlier this year, saying that they WILL expand the rule to all cards. It was only a matter of time, I guess.