Originally Posted by
pallhedge
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!
This sounds awesome! Will check with credit karma to see how it is listed on there. Thanks everyone.
And yes it was Credit Journey that I was originally referring to.