Can I apply for CSR?

[toothgrind3r]

Hello,

On July 1st (I heard you need to wait to the following month) I would like to apply for the CSR.  

I THINK I am under the Chase 5/24 rules.  Am I?

PenFed Promise - Opened 6/1/16
NFCU Cash - Opened 6/2/16
NFCU CLOC - Opened 6/2/16
NFCU Flagship - Opened 10/9/16
Amex Platinum - Opened 2/26/17
Chase Amazon Prime - Opened 9/19/17
FirstTech Platinum - Opened 1/29/18
Marcus Personal Loan - Opened 6/21/18

So if I understand correctly, that would be 4 credit cards and one personal loan, which is reporting to Experian as an installment loan.  

Can anyone tell me what I want to hear and say installment loans don't count against Chase 5/24?  Or is it a YMMV situation?

[Anonymous]

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@toothgrind3r wrote:

Hello,

On July 1st (I heard you need to wait to the following month) I would like to apply for the CSR.  

I THINK I am under the Chase 5/24 rules.  Am I?

PenFed Promise - Opened 6/1/16
NFCU Cash - Opened 6/2/16
NFCU CLOC - Opened 6/2/16
NFCU Flagship - Opened 10/9/16
Amex Platinum - Opened 2/26/17
Chase Amazon Prime - Opened 9/19/17
FirstTech Platinum - Opened 1/29/18
Marcus Personal Loan - Opened 6/21/18

So if I understand correctly, that would be 4 credit cards and one personal loan, which is reporting to Experian as an installment loan.  

Can anyone tell me what I want to hear and say installment loans don't count against Chase 5/24?  Or is it a YMMV situation?

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You would be correct, in that, on 7/1/2018, you would be at 4/24, and eligible to apply for the CSR!

I just waited 1 full year to be at 4/24 on 5/26/2018, but waited until 6/1/2018. I snagged my freedom and was free (get the pun?). I added an installment loan in December 2017 (Alliant SSL), so those definitely doens't affect 5/24, only cards.

[toothgrind3r]

Excellent, thank you!