5/24 count (may) now include Chase business cards?
#1
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5/24 count (may) now include Chase business cards?
I was told this by two different reconsideration agents. They were adding up my 5/24 cards and insisted on counting the Chase business cards. Did anyone else run into this, or am I just unlucky?
#2
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Personally, I might find out for myself (just like Dorothy in the Wizard of Oz) in about a month or so. Im at 3/24 not including biz cards, 8/24 including Chase biz cards with a Chase personal application expected next month.
Last edited by Dr Jabadski; Nov 10, 2022 at 1:50 pm Reason: mea culpa, edited to reflect only CHASE biz cards
#4
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When Chase first implemented the 5/24 policy, their own business cards did count. This policy was changed and Chase started tallying only accounts which appear on a personal credit report. They could change the policy again, and because 5/24 is not published the only way that we might verify is through anecdotal reports.
#5
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#6
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Maybe, but it also appears that Chase and other issuers are again paying more attention to Inquiries in addition to Accounts. These two measures can easily be conflated in a phone call or post, and business card applications have always generated personal credit Inquiries.
#9
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Sitting at FTU Signature Orange County right now. This subject was asked about and discussed briefly yesterday. The presenter, despite being the “Credit Card Editor” for a popular blog, did not have enough knowledge or experience to offer an opinion, none of the attendees offered an opinion. One attendee mentioned that he had 2 acquaintances who were recently approved for new Chase cards despite being well over 5/24.
Last edited by Dr Jabadski; Nov 13, 2022 at 11:30 am Reason: typo correction
#11
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Regards
#12
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It’s reasonable to expect a professional to have the most recent up-to-date information, it’s their job. Would you want to attend a class or see a doctor where the professional did NOT have the most recent up-to-date information? I certainly expect a professional, who gets paid for presenting information (on the blog and at seminars) and should have access to industry personnel, to have more recent up-to-date information than a hobbyist.
Last edited by Dr Jabadski; Nov 14, 2022 at 12:39 pm Reason: typo correction
#13
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This was one of the reasons wife got her IHG business card denied after 2 calls to the recon line. The first denial letter mentioned 5/24 (she was at 4/24 with personal cards) but the second said two many cards and too much credit. On her second call she offered to lower CLs but was still denied.
#14
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This was one of the reasons wife got her IHG business card denied after 2 calls to the recon line. The first denial letter mentioned 5/24 (she was at 4/24 with personal cards) but the second said two many cards and too much credit. On her second call she offered to lower CLs but was still denied.