Use the United Mobile App to Get a 65K United Explorer Pre-Approved Card Offer that bypasses the Chase 5/24 Rule, per Doctor of Credit. I was able to test this for a client, and sure enough, it worked and the client was approved, even though he's well over 5/24.
To access the offer, you'll need to download the United mobile app if you don't already have it on your device, then log into your United MileagePlus account.
You should see a pre-qualified offer link towards the bottom of the screen, which will take you to the 65K prequalified offer:
Note that as always, you aren't eligible for the offer if you already have this exact card or if you received a signup bonus for the card within the past 24 months–read the offer terms. If you're eligible to earn the signup bonus, next check the APR. For prequalified offers that bypass Chase 5/24, there should be a fixed APR, as it was for my client, 17.99%. Obviously you never want to actually have this be relevant, since you should always pay in full and never pay interest by incurring credit card debt, but generally the only prequalified offers that bypass Chase 5/24 have a fixed APR.
For those that are over Chase 5/24 and are able to get the prequalified offer with the fixed APR to appear, the offer is:
- Earn 40,000 United MileagePlus miles after $2000 spend within the first 3 months of account opening
- Earn an additional 25,000 MileagePlus miles after spending a total of $10,000 within the first 6 months of account opening
- Limited time offer ends 1/22/20
If you're already over Chase 5/24, have you been able to be approved for any Chase prequalified offers?
Become a TravelSort Client and Book 5-Star Hotels with Virtuoso or Four Seasons Preferred Partner Benefits