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Chase 24/5 rule

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Moderator

Re: Chase 24/5 rule


@coreysw12 wrote:

@longtimelurker wrote:

@Remedios wrote:

I'd sell my left kidney for 24/5


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.


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


 

Would you please stop spilling all the secrets 😐

Message 21 of 35
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Established Contributor

Re: Chase 24/5 rule


@Remedios wrote:

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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aTMdDz7

    Total Loan Balance: $28k / $70k

    Total SL: $41.2k
Goal cards:



United 1K - 675,000 lifetime flight miles    |    Chase 6/24
Message 22 of 35
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Moderator Emeritus

Re: Chase 24/5 rule


@Remedios wrote:

I'd sell my left kidney for 24/5


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

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Message 23 of 35
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Super Contributor

Re: Chase 24/5 rule

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. 

Message 24 of 35
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Moderator Emeritus

Re: Chase 24/5 rule


@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. 


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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Message 25 of 35
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Established Contributor

Re: Chase 24/5 rule


@Dinosaur wrote:

@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. 


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.


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)

    Total Loan Balance: $28k / $70k

    Total SL: $41.2k
Goal cards:



United 1K - 675,000 lifetime flight miles    |    Chase 6/24
Message 26 of 35
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Mega Contributor

Re: Chase 24/5 rule


@Dinosaur wrote:

@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. 


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.


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.

Message 27 of 35
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New Contributor

Re: Chase 24/5 rule

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.  


Message 28 of 35
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Valued Contributor

Re: Chase 24/5 rule


@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.  


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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Message 29 of 35
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New Contributor

Re: Chase 24/5 rule

 


@dragontears wrote:

@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.  


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?


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... 


Message 30 of 35
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