Does a biz card count toward 5/ 24 rule?

[FishingGuy]

Does applying & or getting approved for an Amex business card... count in the Chase 5 / 24 rule?   

I'll be 4 / 24 next month, with one more dropping off  4 months later.  I was wondering... if I apply for an Amex business card will that count and put me back to 5 / 24?           I was wondering if that may cause a Chase decline.... any info is greatly appreciated.

[simplynoir]

No, an AMEX business card doesn't not appear on your credit report unless you default on the account, therefore your 4/24 status should remain intact should you decide to app for an AMEX biz card

Everything else depends on your credit on whether or not you get approved for a Chase card but your 5/24 status will not be an issue

[FishingGuy]

OK Thank you Simply Noir.....   That's what I thought but I just wanted to check, 

All scores in the 760's- 770's so we'll see,  probably won't apply for Chase for awhile.... but bus card may come first.....   thanks for the info !

[ScorpioRising]

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@FishingGuy wrote:

OK Thank you Simply Noir.....   That's what I thought but I just wanted to check, 

All scores in the 760's- 770's so we'll see,  probably won't apply for Chase for awhile.... but bus card may come first.....   thanks for the info !

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You should apply for a Chase Business card before any personal ones. The reason being that Chase's Biz cards won't count against your 4/24. You can apply for the Chase Biz cards you want and STILL be at 4/24. I'm not sure about the co-branded ones like SouthWest, United etc. though. 

However, the minute you apply for a Chase personal card, you will immediately be at 5/24. Just a heads up. 

[4sallypat]

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@simplynoir wrote:

No, an AMEX business card doesn't not appear on your credit report unless you default on the account, therefore your 4/24 status should remain intact should you decide to app for an AMEX biz card

Everything else depends on your credit on whether or not you get approved for a Chase card but your 5/24 status will not be an issue

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This is GOOD news!

I am at 4/24 and thinking of applying for the Ink Cash card....