Do Chase In App Credit Card Offers By Pass 5/24?

Update: At least one reader was denied due to 5/24. Looks like this doesn’t bypass the rule.

Recently the Chase mobile app started displaying credit card offers in a banner at the top of the app (see image below). A lot of readers have been asking if this will by-pass the Chase 5/24 rule like in branch pre-approvals and website ‘selected offers for you’ do.

The short answer is that I don’t have any hard datapoints that suggest this does or doesn’t bypass the rule. I suspect it’ll be treated as a regular application and the rule will still apply for the following reasons:

• The APR is a range rather than fixed. This generally means no pre-approval or checking process has been done.
• One reader that applied received a message that stated more time was needed to review the application.

If anybody does apply in app, please let us know if you were able to get around the rule or not in the comments below.