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Long-time readers of PWaC will undoubtedly already know about the Chase 5/24 rule, which basically says that if you’ve applied for 5 cards from ANY bank in the past 24 months, you are extremely unlikely to be approved for most Chase cards

[Overturning Chase 5/24 – here’s how I did it]

[The 2 different types of cards not subject to Chase 5/24]

Application for a Barclaycard Arrival card

A few weeks ago, “my wife” applied for a Barclaycard Arrival card.  She has had the Arrival card before but it’s been awhile and she does not currently have one.  She got a “pending” notification and then a few days later after checking the Barclaycard reconsideration phone number and website, it said that she had been denied, and notification would come in the mail.

And here we go

She was denied for “the number of bankcards opened within the last 24 months”

The new 5/24?

I don’t know that I would call this a “new 5/24 rule” or anything like that, but it seemed clear that Barclaycard is checking the number of cards opened as a data point for people opening up new cards.

Someone on our free miles and points Facebook group asked how many cards she had opened up in the past 24 months and the answer was …. “I dunno” (SEE ALSO: Finally getting a handle on our 43 credit cards).  It hasn’t been too many Barclaycard cards – I think just the Aviator and another Arrival card several months / over a year ago.

Any other datapoints?

I would be curious to hear from any other data points from people that have applied for the Barclaycard Arrival card or other cards from Barclaycard.

If you want to apply for the Barclaycard Arrival Plus card, you can find it on our list of top travel credit cards under featured travel credit cards.  As of the time of this post, the bonus was 50,000 points after spending $3000 in the first 3 months.  This is worth $500 if redeemed for travel and is the highest bonus that I have seen on this card.

Any additional data points for being denied by Barclaycard for “too many cards in the last 24 months”?


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