TLDR: You cannot bypass 5/24 by using an EIN instead of a SSN.

If you’re looking to maximize the number of cards you can get from Chase before being locked out by their 5/24 rule like me then you’re likely targeting business cards offered by Chase to maximize the rewards you can get from them.

Lately, I’ve been wondering if I can sign up for the Chase cards that suit me with my SSN and then get an EIN and use that later on once I’ve passed 5/24 to get more Chase business cards. Alas, after a bit of research I’ve confirmed that you cannot bypass 5/24 by using an EIN instead of a SSN.

See sources/references below.

From reddit (r/churning):

The 5/24 rule can also be bypassed by applying using a paper application instead of the electronic one with a BRM. This only bypasses the 5/24 auto-denial. You can still get denied for having too many cards, among various other reasons.

Getting Approved for Chase Business Cards from churning

 

Sources

Getting Approved for Chase Business Cards from churning

How Does the Chase “5/24” Rule Affect Businesses With Separate EINs?

Categories: Life Tips

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