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Rules

What Are Credit Card Rules?

Credit card rules are unofficial guidelines or restrictions that banks use when deciding whether to approve you for a new credit card. These rules are usually based on how many cards you've opened recently or how many cards you already have with that bank.

They aren’t always published publicly, but they’re well known in the credit card community because people share data points about their applications. These rules are especially important for travel hackers and credit card churners who frequently apply for cards to earn welcome bonuses.

Understanding these rules can help you:

  • Avoid unnecessary denials
  • Time your applications better
  • Maximize your chances of earning big signup bonuses