Looking for one more rewards credit card - already rotated through CSP, SPG, Marriott, American Airlines cards. Can't qualify for CSR bc of the 5/24 rule. Any suggestions?

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Not trying to lecture you, but perhaps it's time to think longer term about your credit history, instead of opening and closing accounts just to maximize those short term rewards.

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It's not just about the credit score itself. Lenders look at the overall credit profile to determine your value. In OPs case, past behavior of opening 5 accounts within 24 months directly prevented getting the very rewarding CSR. So it's worthwhile to think a little longer term with these decisions.

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^^ K1 has a very good point. It's not worth it. Get the bonuses for a few and stick with a strong one that fits you. I would wait until you qualify for CSR based on 5/24 rule.

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Opening and closing accounts has very little effect on your credit score alone, especially if you're transferring the credit line when you close. I've opened at least 7 in the last 24 months and my credit score is 770+. Only reason it's not higher is undergrad debt.

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Thanks everyone, I'll try going into a branch for CSR again. @a4 - im local and personal spending adds up fast in ny!

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Venture, Barclays arrival plus

What's the 5/24 rule?

If you've had 5 credit lines open in the past 24 months, you cannot open a chase card.

I thought the 5/24 applies to 5 chase credit lines open not 5 credit lines overall...still agree with others...wait for CSR and for the love of god don't get the bonus and close it, too good of a card not to keep

Op, what do you use all those cards for if you pay most of your life through your corporate Amex?

That's a one-off situation. It won't affect car, student, or home loans. And I'm betting the benefits of the additional cards he received that put him over 5/24 surpass the benefits of that one card.

Plus I was over 5/24 and still got approved by going into a branch. Best of both worlds :)

CSR in branch, Amex biz plat 100k and/or Marriott biz 150k

Haven't had much luck with biz cards. You just say you're pre-revenue?

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