Chase's credit journey

[Anonymous]

Are the number of accounts opened within the last 2 years as shown by the credit journey under the chase online banking accurate?  Lets say if it says the number of accounts opened within the last 2 years is 2, does that mean you are under 5/24?

[Anonymous]

Mine is. Wow, you’re 2/24? Dang! Wish I was! What card are you going for?

[Anonymous]

I am not sure if thats what chase goes by for its 5/24.  I got a new auto loan a few months back since my car was stolen and i thought auto loans counted towards 5/24?  I just dont want to waste a hard pull.

[K-in-Boston]

The number of new accounts would be all new accounts, not just those that apply to 5/24 (revolving/charge accounts).  You could have taken out a mortgage, a student loan refinance, a personal loan, and 3 auto loans in the past 2 years and still be 0/24 as long as those were the only types of accounts you opened.

[Anonymous]

Auto loans are supposed to. BUT... after seeing K's response, I rechecked my Chase Journey info. It is either not showing my Chase auto loan, or it is not showing a closed credit card. My bet is all CCs are included, even though one is closed. So... they are not including auto loan through Chase?

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@Anonymous wrote:

I am not sure if thats what chase goes by for its 5/24.  I got a new auto loan a few months back since my car was stolen and i thought auto loans counted towards 5/24?  I just dont want to waste a hard pull.

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[HeavenOhio]

It's omitting closed accounts.

I've only opened credit cards within the past two years. I've opened five and closed two. Credit Journey says I have three new accounts within the past two years.

[Anonymous]

Cool. So do closed accounts count in 5/24 since they are not showing them in Journey? I thought any new in 24 did. But I'd be very happy if only still open accounts count.

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@HeavenOhio wrote:

It's omitting closed accounts.

I've only opened credit cards within the past two years. I've opened five and closed two. Credit Journey says I have three new accounts within the past two years.

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[K-in-Boston]

Closed accounts count for 5/24.