3 Easy Ways to Count Your 5/24 Status

With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.  This is known as the 5/24 rule.

Chase uses your credit report to count your 5/24 status.  As a result, any business cards that do not get reported to the personal credit bureaus are not included in this count.  Even Chase business cards are not counted (but most are subject to 5/24 — that is, if you’re over 5/24 you probably won’t get approved).  Cards where you are the authorized user also count towards 5/24 when they appear on your credit report, but Chase will subtract these from the count if you call their reconsideration line after getting denied for a new card.

For more details about credit scores, credit reports, and credit inquiries, please see: Complete Guide to Free Credit Scores, Reports, and Monitoring

3 Easy Ways to Count Your 5/24 Status

One complexity in determining your current 5/24 status is the fact that cancelled cards should be counted.  That is, if you opened a card within the past 24 months, it still counts against you even if you have since cancelled it.  Yet many tools that show your accounts only show the ones that are currently open (or they show the cancelled ones separately).

Fortunately, there are easy ways to get your 5/24 status:

  1. Credit Karma via a special link
  2. Experian Smart Phone App
  3. Chase Credit Journey (if you know how many new cards you’ve cancelled)

Credit Karma

Here’s how to use Credit Karma to get your 5/24 status:

1) Setup account or log in

Credit Karma is one of many available free services that estimate your credit score.  I particularly like Credit Karma because it gives you free access to your TransUnion and Equifax credit reports with full details about the accounts that appear on your credit reports, and optionally provides active monitoring of your TransUnion report.  You can log in or sign up here: Credit Karma.

2) Browse to the “old interface” link

As found on Reddit, this link will bring you to a page that makes it easy to count your 5/24 status: www.creditkarma.com/myfinances/creditreport/#accounts.

Simply click the above link after logging into Credit Karma and you’ll find a page that looks like this:

3) Sort by Open Date

Click the heading “Open Date” once to sort ascending:

4) Scroll to find recently opened accounts

Scroll down until you find the first card opened within the past 25 months not counting day of month.  For example, if the current date is March 2018, then you would look for the first card opened by or more recently than March 1 2016.

In my case, my first qualifying card was opened on September 23rd 2014:

5) Count ’em up

Starting with the first card that appeared within the past 25 months, count all of the cards that were opened on that date or more recently.  Closed cards do count.  Authorized user cards do count (but you can get these subtracted when calling reconsideration).  Store cards count only if they can be used elsewhere (e.g. when they are Visa, Mastercard, or Amex cards).  Loans and other non-credit card accounts do not count.

I currently have 16 accounts that were opened in the past 24 months.  So, I am way over 5/24.  In April, the March 2016 account will drop from my 5/24 count so I’ll be down to 15/24.

Experian Smart Phone App

1) Install the Experian app on your smart phone

On an iPhone, open the App Store and search for Experian.  On an Android phone, the Google Play Store and search for Experian.

Look for the app titled “Experian – Free Credit Report“.

Install the app and register or log in if you already have an Experian account.

2) Select “Credit Reports”

Click the app menu (it looks like three horizontal bars) and click “Credit Reports”

3) Click “Accounts”

4) Sort New to Old

Click Views… Date Opened (New to Old).

5) Count

Scroll down and count all accounts until you get one month past 24 months ago.  For example, in March 2018 you would count all accounts including those that were opened in March 2016.


Closed cards do count.  Authorized user cards do count (but you can get these subtracted when calling reconsideration).  Store cards count only if they can be used elsewhere (e.g. when they are Visa, Mastercard, or Amex cards).  Loans and other non-credit card accounts do not count.

If you count 5 or more, then you are over 5/24.  My current count is 16.  Yeah, I’m over.

Chase Credit Journey

Chase Credit Journey (found here) may be the easiest way to count your 5/24 status, but only if you know how many accounts you’ve opened and closed in the past 2 years since it doesn’t count those.

As you can see above, Chase Credit Journey purports to show many accounts you’ve opened in the last 2 years.  Unfortunately this count does not include accounts that were opened and closed in the past 24 months.

In the example above, Chase Credit Journey claims that I opened 12 accounts in the past 2 years.  Unfortunately it doesn’t count the 4 accounts that I opened and closed.

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

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45 Comments on "3 Easy Ways to Count Your 5/24 Status"

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Ed. C

After reading that Chase Credit Journey doesn’t count closed accounts, I was in a panic! It shows me at 6/24 and I knew that 2 accounts would come off this week and am planning on applying for the CSR next week. I cross referenced Chase Credit Journey with Credit Karma and the Experian app you recommended. In my case, anyway, my Credit Journey data DOES include the 1 closed account I knew of. Also, if you click on the “Credit Report” link at the top of the Credit Journey page, it will show you all your accounts including closed accounts.


So the 5/24 rule counts for openings only? What if you maintain over 5 credit cards for say 3 years or more. If you apply again to chaSE AND YOU HAVE NOT OPENED ANY NEW CARDS WITHIN 24 MONTHS YOU WILL BE OK?


Great to find the old interface for Credit Karma, since that is what I had been using. Thank you!


Thanks so much. It was a pain going through a regular credit report. Anyway, I went through the Experian app. Besides credit cards it also lists car leases. Are those counted in the 5/24? If not, I have 4/24, so it’ll make a difference. Thanks again.


Off topic, is it possible to view the comments with the oldest post on top? I know it used to be that way before the new design. In addition, when the comment is long, I can click the “more” to show the whole comment. But the comment rearranges somehow, so I have to start from the beginning to find where I left off. Not a deal breaker, but it is a little annoying. Is it possible to expand the comment without changing the format? Thanks.


Experian website on a laptop works just the same as the app – but gives you a bigger screen to view on – much easier to count when you have 10+. Thanks for sharing!


Greg, thank you for the great info! I’m really enjoying your blog. I downloaded the Experian app and looked up my accounts. I’ve noticed that I only have one American Express card when I look at the app in the way you instructed but I did open 2 AMEX cards within the last year. Without the missing AMEX I am at 3/24. With it I am at 4/24. I am just wondering if Chase is counting one or two AMEX accounts. Thoughts?


Looks like they are counting the authorized user accounts also. So, you will have to subtract them..

David S.

Just for clarification. You are saying that if you have three cards opened with the past 24 months, but four cards closed you would be considered over the 5/24 rule?


I had Cap1 card opened once, but the bank closed it within couple of months. So now, would it counted as 2/24, i.e. 1 open and 1 closed account? Is there any DP wherein I can ask Cap1 to remove credit inquiry thereby open/close history if they banned me from their products for life?


Hey Greg! Just in case you’re wondering if anyone pays attention, we do notice that you write less these days 😉

I’m glad you have a team of contributor now, and appreciate all that they’ve got to add, but one big reason I’ve enjoyed your blog is your writing style! Kind of miss reading it every morning!!

Ed. C

After being denied the Chase Freedom Unlimited card I assumed for some reason it was because I had just been approved for the CSR. My next strategy was to open a CFU in my wife’s name, but she was also denied despite being 0/24 and 800+ FICO. She called the recon line and found out she has a HELOC that was being reported with the monthly payment as the same as the current balance. I immediately went on the Experian app to check my situation and there it was. The HELOC monthly payment was the same as the outstanding balance. NO WONDER I GOT DENIED THE CFU (quite frankly, I’m surprised the CSR was approved!). I was able to file a dispute right on the app and hopefully will get this cleared up ASAP. Thanks for recommending the Experian app, Greg!


I am currently at 5/24 an opened Chase card hits the 2 year aniversary on April 4th, Experian shows it opened on April 1st. Can I apply for another Chase card on April 5th or do I have to wait until May 1st


I want to make sure I’m counting correctly. It is now April 19, 2018. I pulled up my Credit Karma account. I have 5 accounts opened more recently than April 1, 2016. I do have an account opened on April 15, 2016, but that one does not count towards the 5/24, correct?

Account #5 was opened June 2, 2016. So that means I drop to 4/24 on June 3? Would I have to wait until July 1 to apply for another Chase card (a month later, similar to Don’s posted question)? If so, I’m not really understanding why I need to wait a month.


Greg, thanks for this superb, updated resource. Especially delighted you’ve shown us how to use an “old interface link” for accessing the Credit Karma tool. Makes my 5/24 calculations so much easier again. (And along the way, will keep your cc app links in mind as small tangible thanks too.)


Hi there, thanks so much for this article that really clarifies the facts. I went to Credit Karma and counting backward, my fifth card in reverse, was opened on 5/27/16. We’re now in May 2018. I interpret this to mean I should not apply for the Chase Sapphire Reserve until 5/28/18 at the soonest – or 6/1/18 ? thanks again.


[…] Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. Some exceptions that are NOT subject to the 5/24 rule include: British Airways, Hyatt, IHG, Marriott Business, and Ritz Carlton. To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. […]


I was turned down for the Chase Ink Business (100k bonus in branch) because they are counting 3 AU cards against me. I questioned that and was told that if I use the card or make any payments on it, it counts for me. Really???? They are re-reconsidering and I am supposed to call them back tomorrow.

I have read somewhere there is a way to remove the AUs from your credit report. Do you have an article on how to do that?

Thanks for all of your great articles………..