Comment by throwaway589275

> Chase has a hard 5/24 rule where you can’t have opened more than 5 cards with any issuer within 24 months. But that doesn’t include business cards.

I've never been able to get a Chase card.

> You also have to space credit card applications out. It also helps that I have a long credit history. I opened my first card in 1996.

I think I applied for too many at once. Also I take advantage of those 0% introductory APRs and run a balance (only paying the monthly minimum for the duration, and paying the remainder as one lump sum before it expires), which adversely affects my score.