A few weeks ago, I wrote a story about how my mom was denied for the Chase Sapphire Reserve card.

She had signed up in-branch just before the deadline expired to get the higher signup bonus of 100,000 Ultimate Rewards points. Her application went to pending but then a little bit later, she got the dreaded letter – your application has been denied due to too many accounts!

[I’m over 5/24… but I just applied for a Chase Ink anyways]

My mom was super bummed because they are planning a trip to Europe this summer and had been counting on the CSR to help pay for some of the hotels and other expenses on the trip.

Overturning 5/24 – my experience

First off – I had my mom pull her free credit report from Credit Sesame (affiliate link), which showed the following

April 2015 – Amex AND Citi – this was the Costco Visa and when it changed from Amex to Citi she apparently got 2 different hits. She said that she canceled the card so who knows what paperwork she may or may not have signed.
May 2015 – Lowe’s credit card (I know… I know…)
September 2015 – Chase Southwest Business
December 2015 – Chase Marriott card
February 2016 – we think an authorized user card
August 2016 – BJs store card

Calling Chase for overturning Chase 5/24

When my parents came into town a bit later, we decided to give it a try and see what the Chase reps would call. My mom called the Chase reconsideration line and when the representative got on, she authorized me to talk to them.

From the credit report that we had pulled, I knew what *I* had thought that her new accounts had been (above), but I was curious to see what CHASE thought her new accounts had been.

They responded with only 5 accounts, and one of those was an authorized user account (for my Dad’s IHG card). Once we gave them the “magic words” (I am not financially responsible for this account), they were able to rerun the application and get an approval!

We ended up having to close down one of the Southwest cards in order to free up enough credit line to get at least a $10,000 credit limit (that was listed as the minimum allowed to open up a CSR). The whole process took most of an hour but at the end of the day, the rep confirmed the 100,000 Ultimate Rewards and my mom gave me a big hug 😀

Have you ever had success overturning Chase 5/24? Leave your datapoints in the comments

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11 Comments

Ell on April 19, 2017 at 4:47 pm

You didn’t overturn 5/24- as there were only four cards minus the AU, it wasn’t 5/24 to begin with.
- Dan Miller on April 19, 2017 at 4:48 pm
  
  True. But it was rejected as 5/24
Michael on April 19, 2017 at 5:17 pm

Clickbait bullshit per usual.
- Joe on April 20, 2017 at 9:04 am
  
  I actually enjoyed the story.
Kenny on April 19, 2017 at 7:56 pm

Do this for someone that is 12+/24 and then I’ll be impressed 🙂
- Dan Miller on April 19, 2017 at 8:11 pm
  
  LOL. I just have to keep repeating the magic words “I am not financially responsible for this account” over and over again
Evan on April 19, 2017 at 8:12 pm

Nice Bait with the misleading title
phil on April 19, 2017 at 8:15 pm

+1 to Ell you didn’t overturn anything. What you wrote was CLICKBAIT to hawk your credit sesame link which is vastly inferior to credit karma
Rob on April 19, 2017 at 9:15 pm

It was still helpful as a datapoint. sheesh so harsh the critics lol.
- Evan on April 19, 2017 at 11:57 pm
  
  You must have a very thick skull
David on April 19, 2017 at 11:20 pm

Helpful for me to think about 🙂