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First for a bit of background – Chase 5/24 is the colloquial term for a recent rule that Chase has introduced where people who have applied for more than 5 cards in the past 24 months (from ANY bank) are unlikely to get approved for (most) new Chase credit cards.  Both my wife and I are well over 5/24, so we have essentially both given up on getting most of the new Chase credit cards.  It’s the reason that I was not able to fill out a Chase Sapphire Reserve application, and I also can not apply for the new Chase Ink Preferred card.  While there were various ways of getting around Chase 5/24, most if not all of those have been closed down.

Getting a (targeted?) email from Chase

The other day though, I received an email from Chase, specifically inviting me to apply for the Chase Ink Cash card, which is a card I don’t have.


The Ink Cash card isn’t a premium card (so I wouldn’t be able to transfer URs to transfer partners (without having another premium card like the Ink Plus).  It does do the 5x at office supply stores (similar to the Ink Plus but unlike the Ink Preferred).  It has a limit of $25,000 at office supply stores (as compared to the $50,000 limit for the Ink Plus) and doesn’t have an annual fee

Giving it a try

Last week, when I was in the middle of trying to get a 2nd lifetime bonus on an Amex card, I figured I’d go ahead and try to apply for the Chase Ink card with the link in my targeted email.  I’m not a big worrier about hard pulls, as I’ve been doing this for several years and my credit score hasn’t really been impacted.

The results!

So when I applied online, I got the dreaded “Pending” notice.  I have learned (especially with Chase) to not bother calling reconsideration, so I just waited.

Then yesterday, I got a letter in the mail


dun Dun DUN!

Probably not surprising but I thought it was worth a shot.  The 25,000 Ultimate Rewards as well as another outlet for 5x spending would have been nice….

Anyone else have experience being over 5/24 and trying to apply for a Chase card with a targeted mailer?


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