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Answers (10)

Will I fall under Chase’s 5/24 rule?

Will I fall under Chase’s 5/24 rule?

  1. Daniel B

    I would grateful for any advice whether to apply for a Chase (MileagePlus Explorer) card which I got a targeted offer of 70k miles.

    I have read a lot about the 5/24 rule, but based on the Credit Journey info I got, I am a bit confused, because…..

    In the past 2 years

    [U]We opened:[/U]

    2 RapidRewards accounts on 8/16/15 (one for her and one for me), and we are authorized cardholders on each other’s card.

    My wife opened a MileagePlus Explorer card on 2/27/16 and I am an authorized cardholder on that.

    I opened a Delta Amex Platinum card on 10/14/16

    [U]We cancelled[/U]:

    My Delta Gold Skymiles card on 05/22/16 (was opened on 07/29/15)

    My wife’s Delta Platinum Skymiles (I was an authorized user) on 05/17/16 (was opened on: 07/14/15)

    My Capital One card 10/30/15 (was opened years ago)

    My MileagePlus Explorer card on 3/12/16 (was opened years ago)

    Per the advice of [USER=79]@Gaurav[/USER], I signed up for Chase’s “Credit Journey”, according to which I have only 2 cards. I am surprised by this discrepancy between what I know about the 5/24 rule (that both principal and primary cardholders count, as well as both opened and closed accounts count in the past 24 months), and how many cards my Credit Journey account shows.

    Does this mean that if I apply for a new Chase card (MileagePlus Explorer), I will NOT fall under the 5/24 rule since that CreditJourney website only shows 2 card under my name? Will I likely get approved (my FICO score is over 800)?

    I would appreciate any thoughts/suggestions. Sorry for the lengthy post, but I wanted to give all the necessary information.

  2. David W

    5/24 only looks at cards that we’re [I]opened [/I]in the last 24 month period. So if you opened a card and closed it a year later but within the 24 month period, then it’ll still count towards 5/24.

    However, since you were targeted, it cant hurt to try and apply for it. Also, in addition to credit journey, also try freecreditreport.com and compare?

  3. Daniel B

    [QUOTE=”David W, post: 28615, member: 29″]5/24 only looks at cards that we’re [I]opened [/I]in the last 24 month period. So if you opened a card and closed it a year later but within the 24 month period, then it’ll still count towards 5/24.

    However, since you were targeted, it cant hurt to try and apply for it. Also, in addition to credit journey, also try freecreditreport.com and compare?[/QUOTE]
    Thank you [USER=29]@David W[/USER]. So if I understand you correctly, the 2 cards (MileagePlus and CapitalOne) which I opened 6 years ago, but cancelled them only a year ago will/should NOT count?

  4. David W

    it shouldnt count since they were opened more than 24 months prior to your application.

  5. Daniel B

    [QUOTE=”David W, post: 28620, member: 29″]it shouldnt count since they were opened more than 24 months prior to your application.[/QUOTE]
    Thank you [USER=29]@David W[/USER]. Just one more thing: being an authorized user however still counts doesn’t it?

  6. David W

    I’m not too sure about that but it seems like it does count.

  7. Anonymous

    I think it [I]counts for the computer,[/I] but there are reports of people calling and explaining that they are authorized users, and adjustments being made.

  8. Daniel B

    Thank you. I think I will try applying then….

  9. Daniel B

    [USER=29]@David W[/USER] and [USER=7]@Tiffany[/USER] : do you by any chance know the phone number of Chase’s “reconsideration” department? I have not yet applied, but thought that it would be worthwhile to know.

  10. Gaurav

    Try 888-270-2127

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