Chase has some increasingly strict rules and restrictions for applying for their credit cards. There’s the 5/24 rule and there’s also the Chase 30 day rule. I’m going to shed some light on the 30 day rule in this article, as this rule can be quite confusing despite its apparent simplicity.
Chase combines hard pulls
It’s important to remember that Chase (or more accurately the credit bureaus) combines hard pulls so if you apply for two cards at the same time or near the same time, there will usually only be one hard pull on your credit report. This helps reduce the damage done to your credit score from recent inquiries and so it’s generally recommended to do so. The only thing is, you need to know how to go about the Chase 30 day rule if you’re going to be applying for more than one credit card.
What is the Chase 30 day rule?
The general consensus on this rule is that you cannot apply for more than two Chase cards within any 30 day period. This means the 30 day period does not reset at the end of a month. The simple way to make sure you are not violating this rule is to ask yourself the following question:
- Have I opened more than 2 Chase cards within the past 30 days?
If the answer is yes, then you will likely be found in violation of this rule.
This isn’t a hard and fast rule like the Citi 8/65 rule, however, and there are some exceptions.
Only 1 Chase card sometimes allowed in 30 days
The “bad” exception is that sometimes applicants are denied more than 1 Chase card within a 30 day period. This is increasingly becoming less common based on newer data points and there are numerous theories on why applicants are only allowed one card.
Some have reported that Chase runs an algorithm and pre-determines if you’re eligible for more than one card in a 30 day period. If this mysterious algorithm decides you can’t have two cards then presumably there’s nothing you can do about it.
There may also be a link to the type of Chase cards you apply for. For example, it might be that when someone applies for more than 1 Chase branded card, such as the Sapphire Preferred, Freedom, or Ink, they stand a higher chance of being denied than if they applied for a mix of a Chase branded card and a co-branded card (Southwest, United, Marriott, etc.).
Ultimately, I don’t think anybody knows why some applicants are only allowed one credit card in 30 days but based on my personal experience and research, these applicants denied two cards in 30 days make up the minority.
2 Chase cards are often approved in 30 days
Many people are able to be approved for two Chase branded cards at the same time or within a 30 day time span. This is an area where YMMV, but it’s definitely possible to get, for example, the Freedom and the Sapphire Preferred at the same time or any other duo you want to try.
Note: When applicants combine the Chase Ink with another Chase card like the Sapphire at the same time, there are a lot of reports of one card being rejected. So if you really want the Chase Ink card consider applying for that separately. But yet again, some still get approved for both at the same time, so YMMV.
3 cards opened in 30 days
Now to add even more uncertainty in the mix, some people have even been approved for 3 cards within a 30 day period. These applicants tend to be extreme outliers so if you’re counting on this working for you, know that the odds are definitely stacked against you.
People who get approved for more than two cards in 30 days typically are applying for a business card along with two other personal cards. I have personally had success with opening up a 1 business + 2 personal cards in a span of 30 days, so I know it can be done.
With that said, I personally would not recommend applying for 3 Chase cards with 30 days, especially at once. There have been some reports of others getting shutdown from Chase and, although the data is very limited, there might be a link between accounts being flagged and having three applications at once.
So my recommendation is to just stick to two applications.
A note about recon
When you apply for two Chase cards at the same time, It’s not uncommon for one app to be approved while another app goes to pending. If this happens to you you should follow the normal course of action and wait it out or call into recon to see if you can get approved. (For business credit card applications read this first.) If you are told that you’re only allowed one card in 30 days then try to call recon back in 30 days and inquire if they can re-open your application without you incurring an additional hard pull.
A note about bankers
It’s not uncommon for bankers at a Chase branch to tell you that you cannot apply for more than one card at once. If that arises and you don’t want to argue, just do your application(s) online.
In the end, while there are some data points on either side of the equation, when it comes to the Chase 30 day application rule, it’s definitely possible to get approved for two Chase cards at once. Just remember as always YMMV.