asiantraveler

I'm confused about the 5/24. Does it count ALL credit cards opened in the past 24 months or only Chase credit cards opened in the past 24 months?

NYCRuss

ALL credit cards appearing on the credit report that Chase pulls, plus Chase business cards.

lobo411

All personal cards, any personal cards in which you're an AU, and all Chase business cards.

beltway

The sectionin the wiki provides a comprehensive answer. (Must use FT desktop interface; not viewable in mobile mode.)

sppunk

What's the "normal" approval time after applying? Will apply for CSR next week and have a $3500+ travel purchase Sept 1 to make so curious if I'll be able to put it on the CSR.

Credit 800+. 3 cards, only one Chase (CSP, have had 2 years). Income above $115,000.

DeltaFlyer IntrepidClass

Stupid question:

Do Chase business cards (and business cards in general) and Amex charge (not credit) cards count toward 5/24?

lobo411

Dunno about Amex charge. Chase business yes. Other business, no.

dukerau

Everything on your personal credit report + Chase business cards count towards 5/24.

DeltaFlyer IntrepidClass

Thanks!

I do see the Amex charge cards I opened within the last 2 years on my CR, however, due to the backdating, the date opened value is being shown as back in 2004. Can Chase see the actual account opening date?

gumpfanatic

Chase business cards DO count towards 5/24, non-Chase business cards DO NOT.

NYCRuss

Some non-Chase business cards, like Capital One, do count because they report to personal credit bureaus.

DeltaFlyer IntrepidClass

Excluding my Amex BG and my 2 Amex charge cards that I opened before they stopped backdating, I believe I'm at 4/24 then.

sdsearch

There is no normal time. Some people get approved instantly, and for some it can take a month or so (in the same credit score/history ballpark).

sdsearch

No. But Amex stopped backdating around Mar 2015, so any new Amex cards you open in the future will not be backdated on your credit reports, and thus Chase will see those.

And that's exactly why you should look at your credit report to do the 5/24 count. There are too many exceptions to any simply-stated rule (that is not put in terms of what you see on your credit report).

Chase counts cards that have an "opened on" date in the past 24 months on your credit report, plus any Chase cards opened in the last 24 months that did not appear on your credit report.

That is the simplest, shortest, correct description of what Chase counts. Any attempt to phrase it in non-credit-report terms only complicates it and leads to chances of errors.

(Except, of course, it's a bit incomplete. 24 months since when? In particular, your credit report only shows the month opened, not the exact day. So does Chase count up to 24.99 if you apply on the last day of the month or as little as 23.01 if you apply on the first day of the month? I'm not sure that's clear to us, but "to be safe" I'd assume it's up to 24.99, ie in the last 24 already-completed months.)

DeltaFlyer IntrepidClass

Cool! Assuming I dodge 5/24, I still might get pending since my aggregate credit line with Chase is probably is on the high side. Maybe can shift the credit lines around in recon.