Would I get around Chase 5/24 if an account isn’t reporting?

[Anonymous]

So my Apple Card has still yet to report, and even show up as an inquiry as well. Would that mean that technically I am at 4/24? Could I hypothetically apply for a Chase Card and acquire a card? If so, what if my Apple Card eventually reports? Would Chase close the account?

[Anonymous]

Chase can't count what it doesn't see; so if your Apple card hasn't yet reported to the credit bureaus it can't be counted under the 5/24 rule.

That said, your credit profile appears to be very young and thin so its unlikely that Chase will approve you.

[Brian_Earl_Spilner]

This is one of the reasons Chase pulls your report again in a couple of weeks.

[Anonymous]

Your Apple Card will start to report in 6-7 days. Statements close the last day of the month according to Apple.

[CreditInspired]

---

@Anonymous wrote:
So my Apple Card has still yet to report, and even show up as an inquiry as well. Would that mean that technically I am at 4/24? Could I hypothetically apply for a Chase Card and acquire a card? If so, what if my Apple Card eventually reports? Would Chase close the account?

---

Yes, you’re “technically” 5/24; and yes, Chase may close you down when it does its next SP review. Of course, YMMV, depending on your overall credit profile.