Originally Posted by
Caribgrl
On the part of the Chase page where it shows your credit score (can't think of the name) it's saying I opened 5. Haven't applied since then so no haven't been declined. But just wondering what are the consequences of a hard pull (especially if denied).
FYI, that number you are referring to (it's called Credit Journey I think) is not meaningful vis-a-vis the real 5/24 algorithm. Store cards should be listed differently on your credit report than credit cards. Look on CreditKarma or Experian and you'll see that the store card has an account type of "Charge Account". These are counted by Credit Journey, but ignored by Chase's credit approval algorithm.
You are almost certainly 4/24 right now, will remain 4/24 after a CIC approval, and will drop to 3/24 in July. Good Luck!