Originally Posted by
Brugge
Store cards often don't report to CBs, so that is the most likely reason. Of course, we haven't seen the Chase memo to Recon, so maybe they only consider true "credit" cards, and don't even care about store cards.
You should be fine, as the new rule is 5 ccs and you only have 4, and if necessary could probably get the AU discounted anyway. Good Luck !
The CSR for my Freedom denial recon call specifically mentioned 12 accounts "excluding store cards"