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Some may argue that empowering purely functional language will help us reduce the side effects inside of the applications even further compared to an imperative language like TypeScript. I completely agree with this, and I am a big fan of Elm and ClojureScript myself. However, our team needs to scale .

our team needs to scale

Given the current demand of software engineers on the market it is hard to find suitable specialists. We’d be limiting the circle of possible candidates even further if I set the requirements “experience in Elm and ClojureScript”.

We found the golden mean between purity and scalable team in redux with TypeScript. Redux helps us with the predictable state management and TypeScript helps us with type checking and easier refactoring. Owning a single instance of the domain objects is a problem which could be solved with the identity map pattern. It can be easily integrated in redux, given that our entire state is represented as a directed-acyclic graph.

Talking about team…

As mentioned, the team will scale. The level of experience of the team members will differ. This means that multiple developers with different level of expertise need to work together on the same project. In a typical scenario, most junior team members will be unfamiliar with the functional paradigm. However, this should not drag the project down by making them unproductive. In order to help them get started easier with the project we can provide a high-level abstractions which makes them feel they are using something that they are already familiar with. Such abstraction can make them feel building a typical MVC application.

multiple developers with different level of expertise

The layered diagram below shows the core modules of the architecture we stopped on:

The top layer includes the UI components that the user is going to directly interact with, for instance, dialogs, forms, etc.

UI components

The facade below the UI components’ layer represents “a set of objects that provide a simplified interface to a larger body of code”. Basically, the main purpose of this layer is to provide a set of classes that allow us to trigger application specific actions that will augment the reducers’ calls, and forward actions to async services . The reducers and the state from the diagram above are the exact same components known from the redux pattern.

facade async services

From now on, for simplicity lets call our facades models . For instance, if we are developing a game, inside of our GameComponent we will use the GameModel which abstracts the store mutation, as well as the async services .

models

Another core role of the facades is to forward the actions used by the reducers to a set of async services . Once a given action is being triggered, it will be passed to a set of async services which will handle it. On higher-level the models look exactly like Active Record because they are mediators between the UI and the data layer. However, note that the model delegates the business logic to the reducers, and the communication with external services to the AsyncService s .

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However, there is one major exception to this, and it’s commonly known as the 5/24 rule . It initially popped up in 2015 but spread across most of the issuer’s portfolio of cards in 2016. The rule is relatively simple on the surface: if you’ve opened five or more credit cards with any issuer over the previous 24 months, you will almost certainly be denied for most Chase-issued credit cards with little to no chance at reconsideration.

A few notes about this policy:

Chase will look at all accounts across all issuers You may be able to get approved if you’re just an authorized user A handful of cards are not subject to this rule at this time

Chase also imposes restrictions on earning sign-up bonuses, though these aren’t as strict as those of American Express. In general, you won’t be able to earn a sign-up bonus on a Chase card if you currently hold that card in your wallet or if you earned a sign-up bonus on that exact card in the last 24 months.

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“This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.”

In other words, you must cancel a card before reapplying for it, but you don’t need to wait two years to apply after cancelling. The 24-month waiting period starts when you receive the sign-up bonus, not when you cancel the card.

It’s also worth noting that there are some slight variations to this policy that apply to specific cards:

Interestingly enough, this “rule of pairs” doesn’t (as of now) appear to apply to the new IHG Rewards Club Premier Credit Card , which was launched in April 2018 to replace the old IHG Rewards Club Select Credit Card.

Like Chase, Citi typically doesn’t limit the overall number of credit cards you’re allowed to have, instead using the same approach of limiting your overall credit extended across all of your Citi cards. Once you’ve reached that tipping point, you’ll likely be given the “application pending” notice when you apply for a new card, and a quick call to Citi’s reconsideration line (1-800-695-5171) should help you get approved by moving some credit from one card to the new one.

That being said, one of my colleagues was actually immediately denied for the CitiBusiness / AAdvantage Platinum Select World Mastercard in January 2018, with the reason given that he had reached the “maximum number of Citi credit cards.” It’s unclear if that was based on the number of Citi cards he had open at the time of his application (7) or if it was based on the number of cards he had opened with the issuer across his entire lifetime.

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