I may have missed it, but I haven't heard of this particular discussion with Chase before. I applied for the 30k Freedom on Dec 1st. Didn't hear back, so I called the reconsideration line yesterday. The gentlemen said it had been denied due to too many new cards. I have also gotten the Citi AA 75k Visa and AMEX in August, so I figure that was the issue but he didn't even mention those. This is the part I haven't heard before: they were considering all cards issued by Chase within the household to be relevant. DW and I both got SW 50k in July. DW got the Sapphire 50k in September. Before that, I had no Chase cards in recent memory (though perhaps a store card that I don't know about.) No open accounts, in any case. DW had a TRU card, so she has some past history with them. He asked why I wanted the card and I explained that I wanted to leverage the 5% bonuses and transfer the points to my wife's Sapphire. He was then able to get it approved. So... just a data point. If this is something new and Chase is now considering household apps, I guess it could change the scenery for those of you who are double dipping via a spouse.