So, you're eyeing that shiny new credit card with the killer rewards, but feeling a bit lost in the application process? You're not alone! Banks have all sorts of hidden rules and restrictions about who they'll approve, and figuring them out can feel like cracking a secret code. That's where this guide comes in. This post breaks down the complex world of credit card application rules from major banks like Chase (think the infamous 5/24 rule - if you've opened 5 or more cards in the last 24 months, you're likely out of luck!), Amex, Capital One, and more. It also covers less obvious requirements, like which banks might expect you to have a checking account with them before approving you for a credit card. Why should you care? Because understanding these rules *before* you apply can save you a lot of frustration and potential credit score dings from unnecessary applications. Plus, it helps you strategically plan your credit card applications to maximize your rewards and get approved for the cards you really want. Think of it as your secret weapon in the points and miles game!