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NikkNakkCredit wrote:
I have seen mixed data on if retail cards are counted towards the 5/24 rule. They are. I just got off the phone with the gentlemen and he said they do. But he also said that he doesn't know what rule I am talking about lol. Anyway, just thought I would share.
That's like saying U-Turns are illegal, but not knowing what a car is.
Similar question, if I have exactly 5 card in 24 months, does that mean I am just under the limit or just over it?
That doesn't really answer the question. With 5 cards can you apply for a chase card (under the limit) or not (over the limit)?
It means you are at the limit and you will very likely be denied.