Today I decided to try for the United Explorer card. I'm right at 5/24 and will be under (3/24) in July, thought that I would test the waters to see what others have said about being 5/24+ and being approved for Amazon. United, and Southwest.
Applcation spun round and round and the dreaded 7-10 day (denial) showed up. I knew that I would not get approved. I never have the luck of some being approved over 5/24.
But I decided to call recon and see what (if anything) could be done. Although the estimated wait time was 1 minute it was nearly 30. However, if I were to ever be declined, it was possibly by the nicest and most knowledgeable agent I could have ever had.
Started off with the "text to verify identity". So she told me I was declined due to aggressive credit seeking. I played dumb. She said if you are 5/24 or over 5/24 the computer automatically picks that up and declined the application. She told me "I can take a look at the application and manually look at it". I was on hold for 2-3 minutes. She came back and told me that past 5 accounts I had opened. Looking at a regular CR, this would take a long time but she told me on their end it's highlighted. She told me the issuers and the dates opened. I asked her if it was not for 5/24 would she have approved and she said she would have made the recommendation to approve the application.
she did tell me that Chase counts the full 24 months. If you opened an account on 1/1/2020 and another one 1/30/2020 that they would both age off on 2/2/2022 that it would not be 1/1/2022 and 1/30/2022. She told me to be mindful of that when I apply under 24.
Some DPs: All scores are hovering near 800. TU is the lowest at 789
July puts me 3/24.
total available credit $200,000
Inq: TU:1, EQ:3 with current United application and EX: 8.
annual income $95k
pay off cards monthly: current debt $1000, <than 1%.
So the 5/24 seems to still be alive and breathing
JR
