topic Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣 in SmorgasBoard

For LAUGHs, I estimated when I will be UNDER 5/24 🤣

Wavester64 — Fri, 04 Sep 2020 18:20:52 GMT

Just ran the #s to see when I will be 4/24 so I can get my CHASE Freedom Flex without the benefit of a Black Star or a pre-qualified mailer.....

Ready for this - as of 9-4-20 I wont be 4/24 until 597 days!

Dude, that is a LONG wait

Who out there can beat me on that...there has to be someone?

(Side note: You know *darn* well I am NEVER going to make FIVE HUNDRED AND NINETY SEVEN straight days without applying for something )

Hey CHASE, send that mailer!

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

SecretAzure — Fri, 04 Sep 2020 18:32:02 GMT

(This seems like it would've been fine for the Credit Cards forum)

I thought I understood the 5/24 but apperantly not based on what you're saying.

I thought it worked like:

In the past 24 months do you have less than 5 new accounts? (Yes/No)

But you're saying it factors in stuff older than 24 months? How does that work?! This is pretty crazy.

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

wasCB14 — Fri, 04 Sep 2020 18:42:09 GMT

@SecretAzure wrote:
(This seems like it would've been fine for the Credit Cards forum)

I thought I understood the 5/24 but apperantly not based on what you're saying.

I thought it worked like:
In the past 24 months do you have less than 5 new accounts? (Yes/No)

But you're saying it factors in stuff older than 24 months? How does that work?! This is pretty crazy.

OP has five new accounts in roughly the last 4 months.

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

SecretAzure — Fri, 04 Sep 2020 19:58:44 GMT

@wasCB14 wrote:
@SecretAzure wrote:
(This seems like it would've been fine for the Credit Cards forum)

I thought I understood the 5/24 but apperantly not based on what you're saying.

I thought it worked like:
In the past 24 months do you have less than 5 new accounts? (Yes/No)

But you're saying it factors in stuff older than 24 months? How does that work?! This is pretty crazy.

OP has five new accounts in roughly the last 4 months.

It's Friday, forgive me. My brain did a dumb. I for some reason thought the amount of days posted was more than 2 years.

I believe in you OP, you can hold off for 2 years!

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

Wavester64 — Fri, 04 Sep 2020 20:10:57 GMT

@SecretAzure wrote:
@wasCB14 wrote:
@SecretAzure wrote:
(This seems like it would've been fine for the Credit Cards forum)

I thought I understood the 5/24 but apperantly not based on what you're saying.

I thought it worked like:
In the past 24 months do you have less than 5 new accounts? (Yes/No)

But you're saying it factors in stuff older than 24 months? How does that work?! This is pretty crazy.

OP has five new accounts in roughly the last 4 months.
It's Friday, forgive me. My brain did a dumb. I for some reason thought the amount of days posted was more than 2 years.

I believe in you OP, you can hold off for 2 years!

Thanks @SecretAzure

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

Anonymous — Fri, 04 Sep 2020 22:57:48 GMT

I have 405 days myself.

I have 143 days since my last app...

One thing working in my favor is that my habit of getting cards in sprees means I'll actually be able to add 3 cards between now and then without setting my date back.

Another thing working in my favor is a distinct lack of interest in most cards right now.

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

Wrigley2172 — Sat, 05 Sep 2020 06:21:02 GMT

@Anonymous wrote:
I have 405 days myself.

I have 143 days since my last app...

One thing working in my favor is that my habit of getting cards in sprees means I'll actually be able to add 3 cards between now and then without setting my date back.

Another thing working in my favor is a distinct lack of interest in most cards right now.

I have not been posting in awhile, congrats on your BK falling off dude! And just to rub salt in the wound i have reached the almighty ZERO for 24 as my last app was for my student loan on my birthday (09/4) of last year! Though i wanna app for something real bad lol. Just gotta convince the GF its a good idea

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

TSlop — Sat, 05 Sep 2020 13:29:57 GMT

Going forward, I plan to app at most once every 6 months to stay constantly stay at 4/24, so that I only will have to wait a maximum of 180 days between apps if I would snag something off schedule. I doubt I'll get a new card every 6 months, though.

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

Wavester64 — Sat, 05 Sep 2020 16:41:53 GMT

@Anonymous

>>Another thing working in my favor is a distinct lack of interest in most cards right now.

I hear that. Anything that is "reachable" for me (CHASE and US Bank not reachable) is not interesting because in a round about way I already have it in some form on another card.

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

Anonymous — Sat, 05 Sep 2020 19:03:33 GMT

@Wrigley2172 wrote:
@Anonymous wrote:
I have 405 days myself.

I have 143 days since my last app...

One thing working in my favor is that my habit of getting cards in sprees means I'll actually be able to add 3 cards between now and then without setting my date back.

Another thing working in my favor is a distinct lack of interest in most cards right now.
I have not been posting in awhile, congrats on your BK falling off dude! And just to rub salt in the wound i have reached the almighty ZERO for 24 as my last app was for my student loan on my birthday (09/4) of last year! Though i wanna app for something real bad lol. Just gotta convince the GF its a good idea

Happy belated birthday man and thanks! I am happy to put the BK behind me

0/24... I doubt I'll ever get to that point 😂

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

Anonymous — Sat, 05 Sep 2020 19:04:06 GMT

@Wavester64 wrote:
@Anonymous

>>Another thing working in my favor is a distinct lack of interest in most cards right now.

I hear that. Anything that is "reachable" for me (CHASE and US Bank not reachable) is not interesting because in a round about way I already have it in some form on another card.

Yep. Same issuers and same situation here.

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

Wavester64 — Sat, 05 Sep 2020 21:26:03 GMT

@Anonymous wrote:
@Wrigley2172 wrote:
@Anonymous wrote:
I have 405 days myself.

I have 143 days since my last app...

One thing working in my favor is that my habit of getting cards in sprees means I'll actually be able to add 3 cards between now and then without setting my date back.

Another thing working in my favor is a distinct lack of interest in most cards right now.
I have not been posting in awhile, congrats on your BK falling off dude! And just to rub salt in the wound i have reached the almighty ZERO for 24 as my last app was for my student loan on my birthday (09/4) of last year! Though i wanna app for something real bad lol. Just gotta convince the GF its a good idea
Happy belated birthday man and thanks! I am happy to put the BK behind me

0/24... I doubt I'll ever get to that point 😂

+1 : You can count me on that list

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

icednightpaper — Wed, 09 Sep 2020 15:34:11 GMT

It depends on if you count non-LOC accounts like I've seen some banks are apparently doing.

Basically, I will have about two years fully once this installment loan closes. :/

Re: For LAUGHs, I estimated when I will be UNDER 5/24 🤣

Girlzilla88 — Wed, 09 Sep 2020 17:05:41 GMT

@Wavester64 LOLOLOLOL