Chase 24/5 rule

[Remedios]

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@coreysw12 wrote:

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@longtimelurker wrote:

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@Remedios wrote:

I'd sell my left kidney for 24/5

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On 8/28 you wrote:

I plan on trading my left kidney for Connect 

Now I am wondering if you are a scam artist (or an aspiring one), selling "100% genuine Remedios left kidney" to a whole lot of marks.

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You're telling me the left kidney Remedios traded me for kudos may not have been genuine?

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Would you please stop spilling all the secrets 😐

[coreysw12]

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@Remedios wrote:

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Not sure if I'd have use for any Chase cards, but they be playin' hard to get, so I'm gonna put a checkmark on that because no one puts baby in the corner. 

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[Anonymous]

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@Remedios wrote:

I'd sell my left kidney for 24/5

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Hmm ... in your case it could fetch a good return

[kdm31091]

At one time some cobranded cards weren't part of the 5/24 rule but those days are long gone. It is any and all Chase cards now. Unless you have a preapproved offer, no point in wasting the hard pull. 

[Anonymous]

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@kdm31091 wrote:

At one time some cobranded cards weren't part of the 5/24 rule but those days are long gone. It is any and all Chase cards now. Unless you have a preapproved offer, no point in wasting the hard pull. 

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Seems with time Chase's rules evolved to include what is on your credit report in the area of revolving credit, not only Chase products.

[coreysw12]

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@Anonymous wrote:

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@kdm31091 wrote:

At one time some cobranded cards weren't part of the 5/24 rule but those days are long gone. It is any and all Chase cards now. Unless you have a preapproved offer, no point in wasting the hard pull. 

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Seems with time Chase's rules evolved to include what is on your credit report in the area of revolving credit, not only Chase products.

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Does that also include other things like HELOC or personal lines of credit? I have one of those on my reports, that shows up as part of my revolving utilization. Never really assumed it would be part of 5/24, but if it is, then I am indeed at 5/24 currently and that might explain why I haven't seen a Chase preapproval in forever.

Edit: Except, my LOC is only reporting on TU (not EX or EQ, which are what Chase uses I believe)

[longtimelurker]

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@Anonymous wrote:

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@kdm31091 wrote:

At one time some cobranded cards weren't part of the 5/24 rule but those days are long gone. It is any and all Chase cards now. Unless you have a preapproved offer, no point in wasting the hard pull. 

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Seems with time Chase's rules evolved to include what is on your credit report in the area of revolving credit, not only Chase products.

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I think even at the beginning (when it applied just to Chase core cards) it was never just Chase products that counted towards 5/24.  Certainly all bank cards counted and most think that store cards (i.e. ones that are not V/MC/Amex/D) count as well, although some claim otherwise.

[fatcomic]

Found out today:

If you have the Verizon Visa and you're at 5/24  AND Synch is not reporting on your Experian yet, you can slide in with Chase if they only pull an EX.    I was at 5/24 happily sitting in the garden, but Chase kept popping up a "You are already approved offer" on the app and the 80K SUB on the CSP got me, and I slid in under the 5/24 rule.  

[dragontears]

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@fatcomic wrote:

Found out today:

If you have the Verizon Visa and you're at 5/24  AND Synch is not reporting on your Experian yet, you can slide in with Chase if they only pull an EX.    I was at 5/24 happily sitting in the garden, but Chase kept popping up a "You are already approved offer" on the app and the 80K SUB on the CSP got me, and I slid in under the 5/24 rule.  

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Are you saying that you got approved because they only pulled EX or that you were preapproved which is a known work around for 5/24?

[fatcomic]

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@dragontears wrote:

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@fatcomic wrote:

Found out today:

If you have the Verizon Visa and you're at 5/24  AND Synch is not reporting on your Experian yet, you can slide in with Chase if they only pull an EX.    I was at 5/24 happily sitting in the garden, but Chase kept popping up a "You are already approved offer" on the app and the 80K SUB on the CSP got me, and I slid in under the 5/24 rule.  

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Are you saying that you got approved because they only pulled EX or that you were preapproved which is a known work around for 5/24?

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I assumed it was only becasue they pulled EX.  Maybe I was missing something with the pre-approval.  I thought 5/24 was the final say with Chase.  Well now I don't feel special anymore...