Chase Trifecta Q. My mom has a CSR, and my dad is an AU.

They want to cancel my mom’s CSR, and then have my dad open CSR, freedom, and flex under his name.

They have not opened any other cards in 3+ years.

They both have 815+ credit scores.

A) my dad should still get the full sign up bonuses, right?

B) Would Chase deny him if he applies for all 3 at once (3 separate applications, at the same time)?

Any other considerations?

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My understanding can be a bit dated so please double check:

I think the best approach might be mom take dad off AU ➡️ refer him to CSR (if she has the referral offer and he couldn’t find better offers elsewhere) ➡️ dad apply to all 3 at the same time ➡️ mom downgrade CSR to a none annual fee product (never close card).

This way if your dad get the card, he should be able to get the bonus. Mom might get an additional referral bonus. I don’t think Chase will deny the application because he applies to all three - usually it’s actually recommended, it combines the hard pull and might improve the chance of getting them. But your dad is not guaranteed to get all of them. That’s why don’t do anything to your mom’s card until the results are out.

smart

Chase has 5/24 and 2/30 rule. And canceling the card first is a terrible idea. Have your mom refer your dad so she gets the referral bonus. Then have her downgrade to something with no fee like OG Freedom. He can then open CSR for the bonus. I would not open multiple in a day. Your mom would even be able to open the CSR/CSP for the bonus again in about a year (eligible every 48 months).

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