Chase 5/24 question

[Damikester892]

Hey guys, been holding off on CC applications because I really want the CSP since it suits me well.

right now I'm at 6/24 however October will be the 24month mark for 2 of them, putting me at 4/24. My question is, those two cards show "Opened 10/1/2015" on my credit report, does that mean I'm good to apply on 10/2/2017 or do I have to wait until 11/1/2017? Don't want to waste a hardpull from being misinformed so I figured I'd ask here. Thanks!

[UpperNwGuy]

You need to wait until 11/1/2017.

[Damikester892]

Thanks for the quick response! Do I have to wait for any of their statements to cut in November or am I good to just apply on 11/1?

[Anonymous]

Even if you were denied on 10/2, you could still apply on 11/2 and be just fine anyways. If you're really that anxious then take the risk, one hard pull isn't a huge deal. 

If you're an authorized user on anyone's card, you can get rid of those to put yourself under 5/24 as well. 

[Damikester892]

Ah if its going to be a definite denial because of 5/24 might as well not waste the HP. Anyone ever get approved on the day after I wonder?

Also not a AU on anyones card

[sjt]

You might also want to start checking their pre-qual site for any offers. 

[gdale6]

I apped 7 days after going 4/24 and was approved. I would wait 1 week post 4/24 then app anytime after that.

[Damikester892]

Thanks Dale, was that app in a branch or online?