Disclaimer: I am not cool. I don’t have credit card affiliate links.
100k Chase Sapphire posts are ubiquitous. I ignored them because I assumed that I am over the random, stupid 5/24 rule. After seeing the 100th post saying “best offer ever,” I thought I would check my credit report. If I’m reading it correctly, I’m not only under 5/24 but also way under. I immediately applied and was happy that I was not instantly rejected. The application is under further review. I won’t be calling recon but I will be hoping for approval.
I encourage everyone to check their credit reports as you may be surprised by what you find. For me, the lack of churning is directly attributable to the never-ending pandemic.