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Road To 4/24 and Beyond Begins Now!😄

Jordan23ww
Valued Contributor

Road To 4/24 and Beyond Begins Now!😄

From December 2019 to November 2020 I went on a crazy app spree.  I added 11 personal cards and 1 business card during that period. All those cards made sense for me to get but unfortunately it also locked me out from adding more Chase cards. This month my first 2 cards from the app spree turn/turned 2 years old. 

Now the fun begins! Each month, excluding January, I'll have a card/cards turn 2 years old, getting me another step closer to 4/24 and lower!  There's literally only 1 card on my radar, the Chase Ink Cash, so once I reach 4/24 I should be able to maintain being eligible for Chase cards should something ever catch my eye going forward!

 

 I did successfully garden for 13 months to get my other remaining goal card, the US Bank Cash+ this month. I temporarily had dropped from 11/24 to 9/24 but with that approval I'm back at 10/24 for now. Let the gardening resume and the countdown begin!😃

 

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Message 1 of 11
10 REPLIES 10
4sallypat
Valued Contributor

Re: Road To 4/24 and Beyond Begins Now!😄

Congrats on working to get under 5/24.

Do let us know how the Chase Ink Cash app goes - mine was denied after waiting to be at 4/24.

You do know that some co-branded Chase cards are allowing you to exceed 5/24 ?

Message 2 of 11
Jordan23ww
Valued Contributor

Re: Road To 4/24 and Beyond Begins Now!😄


@4sallypat wrote:

Congrats on working to get under 5/24.

Do let us know how the Chase Ink Cash app goes - mine was denied after waiting to be at 4/24.

You do know that some co-branded Chase cards are allowing you to exceed 5/24 ?


@4sallypat  Thank you! Will do! I'm so sorry to hear about your denial!😔🙁 Did you try to recon it ?

 

Thank you for the tip about 5/24 and cobranded cards. I've been hearing about the approvals bypassing 5/24. From what I've seen it's been the Amazon Prime, Southwest cards and the United cards. The only one I'd be interested in, the Amazon Prime card, I already have.  I appreciate the info though!  Hopefully soon you can get your Ink Cash card! Rooting for you!

 


Message 3 of 11
NRB525
Super Contributor

Re: Road To 4/24 and Beyond Begins Now!😄

Ah yes, the old Forced Gardening trick! I've been there, though maybe not from these heights Smiley Happy

Congrats on all your approvals, and hopefully nothing distracts you on your quest Smiley Happy

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 4 of 11
NoMoreE46
Valued Contributor

Re: Road To 4/24 and Beyond Begins Now!😄

May the force be with you @Jordan23ww .

Amazon Prime Store 10,000
Apple Card GS 14,000
CapOne QS 30,000
CapOne Savor 5,000
Citi Custom Cash 8,000
Discover It 20,500
Target Redcard MC 13,000
WF Active Cash 17,000
WF Propel 21,000
————————————-
Elan Smart Business Rewards 10,000
Message 5 of 11
Jordan23ww
Valued Contributor

Re: Road To 4/24 and Beyond Begins Now!😄


@NRB525 wrote:

Ah yes, the old Forced Gardening trick! I've been there, though maybe not from these heights Smiley Happy

Congrats on all your approvals, and hopefully nothing distracts you on your quest Smiley Happy


@NRB525 😂🤣😂 Thank you!  Hopefully I can stay the course. I was once 11/24 so this definitely is not a done deal!😜

 


Message 6 of 11
Jordan23ww
Valued Contributor

Re: Road To 4/24 and Beyond Begins Now!😄


@NoMoreE46 wrote:

May the force be with you @Jordan23ww .


@NoMoreE46 😂🤣😂 Thank you!

 


Message 7 of 11
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Road To 4/24 and Beyond Begins Now!😄

I just counted mine and am 11/24. I didn't realize I'm going to drop to 3/24 this June. Was actually a bit shocked. The plan was to not app for anything until 1/2024. I might take a detour....

    
Message 8 of 11
Jordan23ww
Valued Contributor

When Will I Be Under 5/24???

I am trying to understand the Chase 5/24 rule in relation to my profile. Are you considered under 5/24 when you have 5 new cards and the oldest card turns 2 years and 1 day or is it when the 4th oldest card turns 2 years? In my case would it be when my Discover card turns 2 years and 1 day or when my Navy Federal Flagship turns 2 years old? 

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Message 9 of 11
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: When Will I Be Under 5/24???

Discover

    
Message 10 of 11
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