cancel
Showing results for 
Search instead for 
Did you mean: 

Did I just beat 5/24? (Chase Freedom Unlimited Approval)

tag
CalAlumnus13
Contributor

Did I just beat 5/24? (Chase Freedom Unlimited Approval)

So I'm pretty sure I just beat 5/24. I was approved for the Freedom Unlimited with a $6,200 credit line.

 

Here are the last 5 accounts I opened, based on my credit report:

  • Citi Credit Card 9/15
  • Amazon Store Card 3/15
  • Local Credit Union Credit Card 3/15
  • Chase Credit Card 3/15
  • USAA Credit Card 10/14

My FICO is in the 790-810 range. I use Chase as my primary checking account, and currently have the CSP, Freedom, and Southwest Premier cards.

 

My two theories: First, the Amazon store card didn't count. Second, I clicked through from my CreditKarma account (which rated my approval chances as Very Good, and had the same $150 bonus offer). Or maybe I just got lucky and Chase didn't count 5/24 against me.

 

Been a good haul over the past week. Approved for two BofA MLB cards ($200 CB each), the Amex BCE ($150 CB plus 10% off wireless), and now the Freedom Unlimited ($150 CB plus $25 AU).

FICOs: EX (per Amex, 1/20/18): 830 | TU (per Discover, 1/20/18): 817

Wallet: Discover It $35.5k | Amex EveryDay $25k | Chase Freedom Unlimited $19.5k | Chase Freedom $8.5k | Chase Sapphire Preferred $8.5k | Amex BCE $7.7k

Drawer: Hella More
Message 1 of 7
6 REPLIES 6
kdm31091
Super Contributor

Re: Did I just beat 5/24 (Chase Freedom Unlimited Approval)

Your case is fairly borderline with the store card and the fact that you are at exactly 5/24. Almost all of the "I beat 5/24!" points are people who were very borderline. I have to date seen zero people who were far over 5/24 and got approved anyway.

 

This isn't to take anything away from you, just an observation.

Message 2 of 7
CalAlumnus13
Contributor

Re: Did I just beat 5/24 (Chase Freedom Unlimited Approval)


@kdm31091 wrote:

Your case is fairly borderline with the store card and the fact that you are at exactly 5/24. Almost all of the "I beat 5/24!" points are people who were very borderline. I have to date seen zero people who were far over 5/24 and got approved anyway.

 

This isn't to take anything away from you, just an observation.


The way everyone describes 5/24 is "5 or more cards in the last 24 months is an auto-reject; everything counts including store cards." If more borderline cases are popping up, then 5/24 may no longer be as strict as it once was.

FICOs: EX (per Amex, 1/20/18): 830 | TU (per Discover, 1/20/18): 817

Wallet: Discover It $35.5k | Amex EveryDay $25k | Chase Freedom Unlimited $19.5k | Chase Freedom $8.5k | Chase Sapphire Preferred $8.5k | Amex BCE $7.7k

Drawer: Hella More
Message 3 of 7
waynes1982
Frequent Contributor

Re: Did I just beat 5/24 (Chase Freedom Unlimited Approval)

when I tried to recon a Chase Marriott card, the gentlmen on the phone had told me they didn't really count store cards in the 5/24 rule...IDK if I believe him or not

Gardening since 06/01/2016


Message 4 of 7
9CLINE
Valued Contributor

Re: Did I just beat 5/24 (Chase Freedom Unlimited Approval)

Congrats on approvals,, and welcome 2 the family...
Like previous poster thought I saw on this board that store cards didn't hurt, but either way Congrats....

Message 5 of 7
RonM21
Valued Contributor

Re: Did I just beat 5/24 (Chase Freedom Unlimited Approval)

Congrats on the approvals!


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 6 of 7
padme
Established Contributor

Re: Did I just beat 5/24? (Chase Freedom Unlimited Approval)

Congrats
Message 7 of 7
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.