Chase 24 rule: Card Open Date ≠ Bonus Award Date

The ubiquitous warning on every Chase application is:

This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months

Back in October of 2015 I opened my Chase British Airways card and got the bonus of 50k on 22-Nov-15, then another 25k on 22-Jan-16, and a final payout of 25k on 22-Apr-16. This was in line with the offer of 100k points over several tiers reported two years ago. I ended up closing the Avios account (no SCRA or MLA waiver) in preparation of applying for the product again to get the current 75k offer as well as MLA protection. I thought I would be eligible because I would no longer have the card, nor would I be in the 24 month window of getting the first bonus!

Unfortunately my plan was foiled because they counted the last tier, April 2016 payout as receiving a bonus! I called Chase Lending Service at 1-888-270-2127 and they explained to me that my credit wasn’t even pulled, and that the application was flagged because I was within 24 months of receiving the April 2016 bonus. SO I would have to wait till April to get my sweet MLA Waived Avios Card.

Keep in mind Chase keeps excellent records, and don’t be so quick to close accounts until your last bonus payout times out! Check those statements both on the Chase side and the awards program side. You might be surprised at how long some of these card took to get the awards!

-Derp

3 Responses to Chase 24 rule: Card Open Date ≠ Bonus Award Date

  1. Any idea if referral bonuses count towards delaying one’s ability to apply for the card? I.e. CSR 10K referral bonus?

    Also did you ask to see if one could sign up for the card without the referral bonus? Not that one would want to for the british airways card, but for other cards like the CSR or Ritz just to get out of the annual fee and activate MLA?

  2. Any idea if referral bonuses count towards delaying one’s ability to apply for the card? I.e. CSR 10K referral bonus?

    Also did you ask to see if one could sign up for the card without the referral bonus? Not that one would want to for the british airways card, but for other cards like the CSR or Ritz just to get out of the annual fee and activate MLA?

    • It does not appear the referral bonuses count, but again I don’t have a valid datapoint! I asked about my other cards ie: Ritz, but he could not comment on any card than the one I applied for.

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