A couple of inquiries just fell off last month and decided to go for the Ritz this Saturday 3/18.
Scores are low 700s due to paying off one of my cars early (usually mid 700s EX EQ, TU high 700s). Zero baddies. <10 inq EX/TU but tons on EQ due to auto loans. Chase double pulled EX/EQ for me in Texas.
I'm making this post just to serve as a data point for future applicants. I am going to sit on the 30 day message from robolady just like I did for my CSP approval late last year. Updating post as soon as I get an answer from Chase.
Edit - Less than 48 hours for approval. Called to get expedited and rep said it's already on the way expedited as a courtesy.
I believed the Ritz to not fall under 5/24. If so, it will likely yield a denial. Staying positive but if I'm denied it wouldn't upset me at all. No matter what I'll probably join the garden soon to prepare for the Tesla 3 in a couple of years.
Thanks for your replies.
From what I've read from Ritz-Chase is they ALWAYS give the 30 day message unless it's an instant denial for 5/24.
Mine was instant approval online... And Ritz Is not under 5/24