Reconning 5/24 for AU accounts doesn't always work. Neither do in branch offers, not always anyway. They may be tightening the belt behind the curtain. Generally people in branch don't even know what the phrase "five twenty-four" means. Go ahead, call a couple random branches and ask some explicit 5/24 question. They'll likely put you on hold, ask their coworkers, then tell you they don't know and to call another division of the company. I've explained 5/24 to branch reps more than once lol.
Business cards don't count toward 5/24, but I'm not convinced about Chase business cards. When I apped for my CSP, I was either 3/24 or 4/24 depending on whether my Chase business ink preferred counted or not. I know business cards aren't supposed to cuz they aren't on your personal credit report, but after eventually speaking with someone in the credit card department, who put me on hold to confirm the question to their superior or whomever, confidently came back and told me that the chase business card does count toward 5/24. Is that definitive? Not necessarily, but I know for a fact they can see it since they issued it so personally I didn't risk it so I treated the situation like I was at 4/24.
