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LOL/24 Approvals???

Community Leader
Mega Contributor

Re: LOL/24 Approvals???

@AverageJoesCredit wrote:
Lol, I think anything over 6/24 could be considered lol/24 but usually this refers to people who are way past the 5/24 threshold. Usually the LOLZERS, haha thanks to brian_earl_spilner for that word, who get approvals are those with really thick profiles or really good incomeSmiley Wink

As to Chase , in honor of Jago I'll say LOLWUT and Never/24Smiley Wink

You rang?

Message 11 of 32
Regular Contributor

Re: LOL/24 Approvals???

What is LOL/24 and 5/24, etc?

Starting 5/2018

Current 3/2019
Message 12 of 32
Regular Contributor

Re: LOL/24 Approvals???

It's tough, because when you start off with credit that may be a little rough around the edges, you're like a desperate swimmer stuck in choppy waters. You grab on to whatever is around you, hoping to help the situation. You may latch onto that credit one card, or that finger hut application, in the hopes that *someone* will approve you. Then you may eye that capital one pre approval for that quick silver one card, and then those shaky pre approvals start flooding your mailbox, and you keep testing your luck, Macys Card? Let me take that gamble... an Approval? YES! My credit must be improving, maybe I can get an AMEX now?!?! And then you keep going and going and next thing you know you're staring at 30 cards all with overlapping perks, and over 600 dollars in annual fees. But now chase won't let you step into their banking centers... until you realize that Disney Visa Premier isn't part of 5/24 and goodness gracious, you're going to DISNEY NOW CHASE IS GONNA LEARN TODAY, until you finally download that credit karma app and see just how many inquiries you have accumulated in 4 months. 

This story is most definitely not based on a true story.  Smiley Wink

Message 13 of 32
New Contributor

Re: LOL/24 Approvals???

So I guess I'm not the only one who got the Disney card for the sub... Now I'm kicking myself for not getting the ihg instead.... Live and learn...
Message 14 of 32
Community Leader
Super Contributor

Re: LOL/24 Approvals???

@pursell1911 wrote:

What is LOL/24 and 5/24, etc?

5/24 means that you have successfully applied for 5 new CC in the last 24 months.  It's also the threshold beyond which Chase will in most cases automatically deny applications without chance of successful recon for any of their own labeled CC as well as for many of their co-branded cards.


LOL/24 is a term commonly used by churners/bonus chasers to point out that they have received a lot more than 5 cards in the last 24 months.  There's no real set figure for what 'LOL' translates to, but if on some sites one risks getting mocked or derided by the hard core churners for misusing the term if "LOL" isn't at the very minimum in the upper teens.

FICO 8 (EX) 804 (TU) 830 (EQ) 827
FICO 9 (EX) 828 (TU) 841 (EQ) 842

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 15 of 32
Regular Contributor

Re: LOL/24 Approvals???

I'm at 19/24 but will drop to 17/24 next month.
Message 16 of 32
New Contributor

Re: LOL/24 Approvals???

I'm at 8/18.


0/24 isn't automatic if it means 0/Your life. I apped with them when I had no cards thinking my 8 years of banking would help. That was before I knew anything about credit. Smiley Very Happy

Credit Journey Start Date: 12/22/16
Message 17 of 32
Regular Contributor

Re: LOL/24 Approvals???

I’m at 22/24 which started July 20th of last year. Just got approved for the Chase Disney Visa and with that I’m in the garden for the next 24 months. Smiley Happy 16 accounts open. 6 closed.
Message 18 of 32
Established Contributor

Re: LOL/24 Approvals???

@AverageJoesCredit wrote:
Lol Raj, you aren't LOL/24 you are WTMF/24 and are cool as Annual FeeSmiley Happy

I think instead of LOL/24, we ought to use MF/24 instead. Smiley Happy




Message 19 of 32
Valued Contributor

Re: LOL/24 Approvals???

I'm 11/24 since November 2016. Not really sure this qualifies as a proper LOL/24, especially since Chase won't give me the time of day anyway for years to come yet because they were IIB.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 20 of 32
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