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Important 5/24 Chase Datapoint

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Hello Friends!

 

I should probably preface with a very strong YMMV

 

I searched the forums for hours looking for people in the same situation as me in terms of Chase's 5/24 rule. About 1 minute ago (6/15/16), I applied online and was instantly APPROVED for the CSP then Freedom.

 

There's been so much debate about whether or not store cards count and whether or not the month/day of the app matters. I don't know the for-sure answers, but here is my experience:

 

I DID NOT have a prequalification (believe me, I've been checking for months up until the last second before hitting submit on my apps lol!).

 

I DO NOT have a banking relationship (checking/savings) with Chase nor have I ever.

 

I have exactly FIVE credit cards opened in the last 24 months, however, my AE store card turned 24 months old on June 8, 2016 so I took a chance Smiley Wink

 

American Eagle STORE card - June 8, 2014

Chase AARP - June 20, 2015

Sallie Mae - June 20, 2015

BOFA Travel Rewards - June 20, 2015

AMEX BCP - June 20, 2015

 

FICOs (that I know for sure) are in sig - sitting around 740-750 each as of last month. No baddies. AAoA like 1.2 years

 

I really really hopes this helps other people who are just wanting a datapoint that matches their apping predicament! Smiley Happy


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