Originally Posted by sdsearch

Does it get all that from your Experian credit report? Ie, if a card you were just approved for hasn't shown up on your credit report yet, I presume the app won't show it either? (If the app showed cards that haven't shown up on your credit report yet, it could overestimate your 5/24 risk.)

Also, I presume it's getting Date Opened from the credit report too? So Amex cards that were opened before March 2015 which have backdated "opened on" dates on your credit report will similarly show backdated on the app?

Just checking, because are the two other common ways that cards opened can deviate from cards seen by Chase on your credit report.

Thanks.