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Targeted Chase Offers That Bypass 5/24
Updated 8/21/21
Doctor of Credit reports that these "black star", "fixed APR" and "green star" just for you offers have failed to bypass Chase 5/24. Chase has closed this loophole.
Original Post
Chase has one the strictest credit card application policies. Chase has a 5/24 rule that states that Chase will deny you credit card approval if you have 5 or more revolving accounts, including all credit cards and lines of credit. In the last 24 months. This rule can be read more here.
It is possible to circumvent this rule. Just For You offers, which are available online in certain accounts, is one way to get around this rule. These offers are displayed on personal accounts with a green star. The offer should include a fixed APR, not a range. These offers have been popping up in recent months and are now being used by more people. Even better is if the offer says You're already approved.
Signup bonuses work the same way as public offers. The signup bonuses for the public cards will be removed once you have applied for one. Make sure to choose the best card for you. Also, the Chase Sapphire Preferred's new 100,000 point offer is now available. This will likely be the first choice of most people.
Conclusion
These offers are targeted, but you may see them in your Chase accounts. Targeted offers are becoming more popular, so it is worth checking again if you have already checked. If you aren't eligible for any other bonuses, this could be a great way of getting the big 100K Sapphire Preferred bonus.
