topic Re: Chase's credit journey in Credit Cards

Chase's credit journey

Anonymous — Fri, 18 May 2018 07:08:20 GMT

Are the number of accounts opened within the last 2 years as shown by the credit journey under the chase online banking accurate? Lets say if it says the number of accounts opened within the last 2 years is 2, does that mean you are under 5/24?

Re: Chase's credit journey

Anonymous — Fri, 18 May 2018 07:40:44 GMT

Mine is. Wow, you’re 2/24? Dang! Wish I was! What card are you going for?

Re: Chase's credit journey

Anonymous — Fri, 18 May 2018 14:15:05 GMT

I am not sure if thats what chase goes by for its 5/24. I got a new auto loan a few months back since my car was stolen and i thought auto loans counted towards 5/24? I just dont want to waste a hard pull.

Re: Chase's credit journey

K-in-Boston — Fri, 18 May 2018 18:28:14 GMT

The number of new accounts would be all new accounts, not just those that apply to 5/24 (revolving/charge accounts). You could have taken out a mortgage, a student loan refinance, a personal loan, and 3 auto loans in the past 2 years and still be 0/24 as long as those were the only types of accounts you opened.

Re: Chase's credit journey

Anonymous — Fri, 18 May 2018 20:33:30 GMT

Auto loans are supposed to. BUT... after seeing K's response, I rechecked my Chase Journey info. It is either not showing my Chase auto loan, or it is not showing a closed credit card. My bet is all CCs are included, even though one is closed. So... they are not including auto loan through Chase?

@Anonymous wrote:
I am not sure if thats what chase goes by for its 5/24. I got a new auto loan a few months back since my car was stolen and i thought auto loans counted towards 5/24? I just dont want to waste a hard pull.

Re: Chase's credit journey

HeavenOhio — Fri, 18 May 2018 20:58:54 GMT

It's omitting closed accounts.

I've only opened credit cards within the past two years. I've opened five and closed two. Credit Journey says I have three new accounts within the past two years.

Re: Chase's credit journey

Anonymous — Fri, 18 May 2018 21:41:48 GMT

Cool. So do closed accounts count in 5/24 since they are not showing them in Journey? I thought any new in 24 did. But I'd be very happy if only still open accounts count.

@HeavenOhio wrote:
It's omitting closed accounts.

I've only opened credit cards within the past two years. I've opened five and closed two. Credit Journey says I have three new accounts within the past two years.

Re: Chase's credit journey

K-in-Boston — Fri, 18 May 2018 21:49:51 GMT

Closed accounts count for 5/24.