Update: Lots of positive datapoints in the comments below now. Looks like this is confirmed to be working again, yay!
For some time one of the most popular ways to bypass the Chase 5/24 rule was to apply for a card that showed as ‘selected for you’ with a green check mark. On March 20th we posted that this was sadly no longer working. There are now a few datapoints (here & here) on myFICO of people being approved despite being over 5/24 when applying for a selected for you offer with a green check mark. I’m not sure if it makes a difference, but the offers also showed fixed APRs instead of APR ranges (this is usually the sign of a true pre-approval). Please share your own data points in the comments, obviously big news if true but not a lot of datapoints just yet.
when i go just for you page it is blank, is that part of the site down
try incognito as I have noticed issues while on it until i switched over.
probably 10/24 but got the ‘selected for you’ offer. Applied with just income and phone# as needed in the boxes and got instantly approved, skipping the 5/24 rule.
Did you end up getting the bonus also? And was it a card that had 24/48 month language in the offer that should have disqualified you? Thanks!
I did the CSP in an offer for you and approved. Fixed APR, 23/24
I’m at 9/24 approved via pre-approval showing fixed APR. Current Chase customer.
You should update your article from 5/24/2018 to reflect this change: https://www.doctorofcredit.com/chase-524-rule-explained-detail-need-know/
Been ignoring the selected for you offer cos i’m on 5/24 (having just just dropped from 6/24, 2 months ago). i just luckily stumbled on this post, & after reading several comments i decided to go for it. Had 2 offers; slate & freedom unlimited, went for the cfu & guess what?! approved instantly 🙂 6,700 limit.
*side-note*: 752 trans 757 equifax, barring my 2 oldest cards which were closed earlier this year, all of my 4 open accounts are from the last 11 months.. with a CF from February & a CSP from June.
thanks doctor of credit, for this post and everyone sharing their ideas & experience.
Wife currently holds Ink Cash, had green check mark for Ink Business Unlimited $500 bonus, applied and was given 30 day notice, followed by checking the status line to see she was insta denied. Letter cited “too many accounts opened recently”. No hard credit check.
They approved me being over the 5/24 rule with two new accounts as of last month and 7 new accounts this time last year, from the selected for you offers. They did how ever do a hard pull on Transunion and Experian (Two Hard Pulls). I established a checking and savings account with them last month with my existing Credit Card. My Score was 790 TR, 806 EX.
Almost exact same DP. At 5/24, last card is hilton biz (no hard pull though, so last activity is June on all credit report). Applied from the selected for you offer with green check mark, fixed APR. Hard pull on TU and EX. Have a joint checking and saving account with CPC so the portal was CPC portal but do not have any where near 100k/250k asset with chase (or with anyone).
Got it! Approximately one week later, approved! I never got the two-week message from robot lady. Got the 30-day message all the way up to my approval. SL $10,000 but I can live with that.
I had check mark offers for the CSP and CSR. I am about 7/24. I applied for the CSR. It was only asking my income and phone number and had a fixed APR. I applied and got the 30-day message. When I call I get a 30-day message. its been a week and I am still getting the 30-day message. I really don’t know how this is about to go.
Any updates?