Jumped the Garden Fence to app for a Chase 5/24

[Remedios]

Any revolving credit counts.
Installment loans do not.
If it's a piece of plastic or metal that can be swiped, inserted, used via mobile pay apps, it all counts.
Chase may approve you with gazillion/24, or deny for whatever reason.
Unless you had a green checkmark, I would not hold my breath, tho.

[Brian_Earl_Spilner]

It takes a few days for your reports to thaw. You would have to list all your accounts in the last 2 years as some things you don't think will count, will.

[Anonymous]

That’s new. I’ve always seen that it takes no more then 20 minutes to unthaw reports after requesting it. That’s been my experience last I did it 15 or so months ago.

[Brian_Earl_Spilner]

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@Anonymous wrote:
That’s new. I’ve always seen that it takes no more then 20 minutes to unthaw reports after requesting it. That’s been my experience last I did it 15 or so months ago.

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Locking and unlocking are almost instant, thawing a frozen report takes times, hence the slang, thawing.

[AverageJoesCredit]

I have 2 reports locked, Exprerian froze. It only takes a few minutes to unfreeze online so it shouldnt take days for it to register especially if you choose that day to begin unfreeze. If you know your report is unfrozen, now you got the letter call up and have them retry.

[Anonymous]

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@Medic981 wrote:

So I just got home from work and a letter from Chase is in the mailbox. I open the letter and in part, it states "We need to review your credit report to process your request. We're unable to access your credit report because it contains a security freeze that you requested. ... We attempted to obtain your credit report from this credit reporting agency Experian Inc. ... If we don't receive the information within 14 days of the date of this letter, we'll no longer consider your request."

So perhaps I placed my app too soon after I thawed my CRs. What is the consensus? Am I 4/24 with my Captial One card more than 25 months old and only four other "bankcards", or am I 9/24 with my current revolving accounts? Do I app and see and risk a HP or did I dodge a bullet and let my request timeout?

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Looks like you are over 5/24 but as you already applied and you have so few pulls on Experian and Equifax I would say just call them up and let the cards fall where they may.  

[Remedios]

Store cards count. You're definitely over 5/24, but you already took a HP
If inclined to do so, Chase may approve Godzilla/24, or deny for any reason.
Give it a try.

[Medic981]

Thank you, everyone. I have decided to abandon apping for the SWA premier card as I obtained NFCU's Flagship Rewards CC with a SL of $25,000. So I am going to retire to the Garden and bask in the glow of my newest acquisition and wait two years to be 0/24. Or so that is the plan.

[Anonymous]

Thread now closed per OP’s request.