I got declined recently by Chase Freedom unlimited. Reason was I got too many applications in the last 24 months
So I went to CreditKarma and Credit Sesame and found out that I had close to 100 cards of which 80 was cancelled by now. I think I have 20 as of now. But I need to get this Chase FU as soon as possible for UR points.
I tried to convert Chase Ink Bold and Bold Plus and Chase Amazon to Chase FU but csr said it is not possible.
So just stop applying for some time? Where do I find the history of my applications?
So I have 23 credit card inquiries in the last 24 months. The closest ones expiring are in May 2017. In the last 2 years I had 6 Chase Inquiries.
The first Chase inquiry is expiring May 2017 the next one is expiring February 2018
I currently have Chase ink plus (business), Chase Ink Bold (business) and Chase Amazon that's it.
I think they did not deny me due to 5/24, they denied due to too many inquiries. So what is too many?~~Creditor Inquiry Date Chase March 1, 2017 Pentagon FCU February 13, 2017 Chase January 12, 2017 Amazon October 31, 2016 FIA CSNA October 20, 2016 Chase October 4, 2016 Capital One September 25, 2016 Chase August 16, 2016 Charles Schwab August 9, 2016 Don Mc Gill May 28, 2016 Chase May 12, 2016 Capital One April 18, 2016 Chase April 18, 2016 US Bancorp April 18, 2016 AT&T Services April 3, 2016 Capital one January 25, 2016 Capital one January 24, 2016 Chase January 24, 2016 TD BANK October 27, 2015 Windstream October 15, 2015 Capital one August 20, 2015 Chase April 9, 2015 US BANCORP April 9, 2015
fleetwoodmac said: So I went to CreditKarma and Credit Sesame and found out that I had close to 100 cards of which 80 was cancelled by now. I think I have 20 as of now.I'm shocked not by how many cards you've opened and closed, but by the fact that you yourself didn't know it.
TravelerMSY said: As for 5/24- you either play nice just for Chase stuff, or you ignore it and go big. So you either want to stay under 5/24 all with Chase stuff, or just go for 24/24 and make it up on volume.Chase isn't the only issuer with limits. Citi has limits too. And all the best bonuses are between those two. You can apply for 20 crappy cards with $100 signup bonus or one CSR for the same "profit."
Note also, though it may not apply in your case, that in-branch pre-approvals are from a different system and aren't necessarily subject to 5/24. Might be worth going to a branch and asking if you're pre-approved for anything.
masteraleph said: Note also, though it may not apply in your case, that in-branch pre-approvals are from a different system and aren't necessarily subject to 5/24. Might be worth going to a branch and asking if you're pre-approved for anything. If there are branches near OP and they have a banking relationship with Chase
The dashboard will tell you how many accounts you've opened in the last 24 months.
Chris. I think this is for all account including home/auto/student loans etc. too, but if you know you haven't had any of those in 24 months, its accurate for cards....unless I forgot which cards I've opened..
TravelerMSY said: You can use the inquiries in your credit report and count them. It's an accurate proxy for new accounts if you haven't had any denials.
I think they're not actually looking at inquiries, but credit card new accounts. My wife got rejected because their count included an AU addition to one of my accounts, with no inquiry anywhere for her, and switching an Amex card program for another, with no inquiry for anyone. So it also probably doesn't matter which bureau Chase uses - for me, they all report open accounts to all 3, even though some only run application inquiries to 1 or 2.
Maybe that is what you meant that it's a proxy, but if you're close to their limit, it's worth trying to count the right stuff yourself.
When we got turned down due to the 5/24 rule, the CSR I called to find out why looked at my history and told me when I could get reviewed again(about 9 months from now). He read off cards I had opened(not just Chase cards).So that is an option for those who don't remember what they have applied for.
jamesfatwallet said: cpaynter said: I realize that I'm late to this thread, but to OP's original question, there is another way to tell how many accounts you've opened in the last 24 months: ask Chase.
cpaynter said: jamesfatwallet said: cpaynter said: I realize that I'm late to this thread, but to OP's original question, there is another way to tell how many accounts you've opened in the last 24 months: ask Chase.
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