Protected: Password Protected Post #7 (2026)

If protected password protected post is on your radar, this short guide cuts through the noise. Here is what is worth knowing, and how to put it to work today.

Key Takeaways

• Update: We’ve publicly posted this over here now.
• I’ve turned off comments here to keep discussion in one place.
• New Way To Bypass Chase 5/24 A reader (who wants to name anonymous, but is well over 5/24) shared a way they were able to bypass the Chase 5...

Update: We’ve publicly posted this over here now. I’ve turned off comments here to keep discussion in one place. New Way To Bypass Chase 5/24

A reader (who wants to name anonymous, but is well over 5/24) shared a way they were able to bypass the Chase 5/24 rule on business card applications. The method is pretty simple, basically it seems that if your application is put through by a business relationship manager (BRM) they go through to a special business lending department and they do not deny based on 5/24.

It should be noted that not all branches have a business relationship manager, technically you’re also supposed to have business revenue of $500,000+ as well. That being said, readers have been able to get BRM’s to put their applications in even if they don’t meet this requirement.

It gets even better though, because if a BRM does put your application in then you’re also eligible for these bonuses:

• Chase INK Preferred 100,000
• Chase INK Cash $500

Being a Chase Private Client used to by pass the 5/24 rule, but Chase removed this ability so I imagine this work around won’t last for ever. Let’s not ruin this for each other, try to be discreet in applying for these cards and please don’t waste time with the BRM or cause a scene if it’s not possible. As always, please share your data points and experiences in the comments below.

A few other things to note:

• You can’t call regular reconsideration on these applications as only the specialized lending group can handle these applications

Final Thoughts

The bottom line: a little research on protected password protected post goes a long way. Compare your options, watch for seasonal offers, and never pay full price when a better deal is one click away.

Originally published at doctorofcredit.com.