Another Trick to Get Approved for Chase Credit Cards Beyond 5/24


There’s yet another trick to get past that pesky 5/24 rule at Chase, this according to a Reddit post.

The way it works is actually pretty simple, though it does require a visit (or two) to a Chase banking branch in order to get the job done.

You also have to be an existing Chase customer.

Before we get started, you have to actually be above 5/24 and not pre-approved for any of the sought-after UR-earning Chase credit cards like CSR or Chase Ink or Freedom.

If you are pre-approved for those cards, there’s no reason to read this post. Go get those cards!

Step 1: Go to a Chase Branch to See If You’re Pre-Approved for Any Cards

The first step here is determine your 5/24 status with Chase. If you know you’re way over the limit or you’ve been recently denied due to 5/24, you don’t necessarily need to go to a Chase branch.

But if you’re on the cusp or just over 5/24, there’s a chance you can successfully apply for a Chase credit card regardless of that status.

Going to the branch to check your credit card pre-approval status basically confirms the need to follow the next two steps.

If you go to Chase and there are no pre-approvals waiting for you, read on.

Step 2: Update Your Income on the Chase Website


The second step is to update your income on Chase’s website. To get there, either click on the three horizontal bars in the top corner of the newly updated website, then profile, then personal details.

If you have the older version of the Chase website, like me, click on customer center at the top of the screen, then update annual income in the top section.

You’ll then be presented with a screen where you can enter your gross annual income and any additional income you make.

Chase says on this screen to “add your income and update it whenever it changes.”

update income

Once you input the income figures, hit save and you’re all set, at least for step 2.

Tip: Obviously your income should be on an upward trajectory here – if you enter a lower figure than you did previously, this whole thing likely won’t work.

Step 3: Visit a Chase Branch Again

Now you’ve got to get in the car, grab your bike or skateboard (or hoverboard), or simply throw on some moccasins and head to the nearest Chase banking branch.

If all goes according to plan, you’ll be pre-approved for credit cards you weren’t previously approved for thanks to the income update.

The personal banker should be able to check status again and let you know the cards you’re now pre-approved for. From there, you can apply for said card(s) and ideally get approved.

This worked for the original poster of the “trick,” who was apparently at 13/24 when he got approved for CSR and Freedom Unlimited.

Yes, he had opened 13 new credit cards in the past 24 months, but still got approved for new Chase cards simply by updating his income on the Chase website.

Another trick, previously mentioned here, is to look for pre-approved offers via the new Chase website layout.

Good luck out there!

By Colin Robertson

Colin created this blog after spending several years in a job that required him to scour credit reports on a daily basis. His goal is to help individuals better understand their credit and get the most out of credit cards.

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