Can I get a Chase Disney credit card with a 733 credit score?

[rubendari93]

Hello to all,

I am new in this forum and I would like to see some opinions regarding chase disney credit card or other credit cards that are not included in the 5/24 rule.

My current Fico scores are: EX 733  TU 733  EQ 725

I currently have 4 inquiries on Experian, 12 on Transunion, and 13 on Equifax.

I have had my car loan with chase for 2 years and a half with 1 late payment ( 30 days and about 1 year and a half ago )

I have 6 new accounts on my Experian report and 11 months of average of credit being my wells fargo credit card the oldest credit card ( 2 years and 6 months )

My credit utilization is reportin 0% right now.

Do I have chances with them?

Thanks

[PlyrStar93]

Chase has likely modified the 5/24 rule recently to include all cards into the rule. Some recent datapoints show people getting declined for the cards used not to subject to 5/24 previously and the reason was too many new accounts.

[rubendari93]

Thanks PlyStar93 I really want to have a chase credit card, but I think it would be a good idea if I wait until my credit cards pass the line of the 2 years and then apply, that way my accounts will be older and inquiries will fall of my reports

[Medic981]

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@PlyrStar93 wrote:
Chase has likely modified the 5/24 rule recently to include all cards into the rule. Some recent datapoints show people getting declined for the cards used not to subject to 5/24 previously and the reason was too many new accounts.

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Chase sure has become a jealous biotch lately.

[rubendari93]

Does chase frequently pull Experian or they pull TU or EQ?

[PlyrStar93]

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@rubendari93 wrote:

Does chase frequently pull Experian or they pull TU or EQ?

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Depends on the region, they pull both EX and TU for mine. I have also seen others here getting EQ+EX or other combinations too.

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@rubendari93 wrote:

Thanks PlyStar93 I really want to have a chase credit card, but I think it would be a good idea if I wait until my credit cards pass the line of the 2 years and then apply, that way my accounts will be older and inquiries will fall of my reports

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Waiting for a while would be better for the accounts to age. On a side note, I wonder if you have some specific reason to choose the Disney card, e.g. if you shop frequently at Disney. I would go with the Freedom+CSP/CSR route for the better value and flexibility of rewards in general.

[rubendari93]

I dont have a specific reason for the Disney card I thought about that one because it is a co-branded card so I thought it would probably be exluded from the 5/24 rule and a little easier to get.

My main card now is Barclaycard arrival plus and I really love it, but adding the CSP/CSR to my my wallet wouldn't be a bad idea at all.

[MaizeandBlue]

A very recent datapoint:  Disney Denied - 5/24 Rule

[RonM21]

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@rubendari93 wrote:

Thanks PlyStar93 I really want to have a chase credit card, but I think it would be a good idea if I wait until my credit cards pass the line of the 2 years and then apply, that way my accounts will be older and inquiries will fall of my reports

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Welcome @rubendari93!! And I would say this is a good safe approach.  When reading your post, the new accounts jumped out at me as a possible reason they would give to deny you.  After the dust settles and there isn't much new action on your reports, the timing may be a bit better.  

[rubendari93]

Thank you RonM21 I will wait for a year and play safe
I just opened my checking account with them today and chose the Disney debit card for now lol so I can stablish a stronger relationship with them