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. Travel Freely (this is the easiest option after some setup)

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.


Travel Freely

Travel Freely automatically shows your 5/24 count (and other useful info) at the top of the card dashboard.

Travel Freely does one simple thing: it guides you through the steps involved in earning points and miles through credit card bonuses.  Travel Freely recommends cards for you based not just on the current best offers, but also based on what cards you’ve signed up for previously.  And it’s aware of most of the known multi-card rules.  For example, it won’t recommend the Chase Sapphire Preferred or Sapphire Reserve if it has been less than 48 months since you obtained a signup bonus for either one.  Once you sign up for a card (and enter it into the website), you’ll get periodic emails reminding you of the due date for meeting minimum spend.  Later, Travel Freely will notify you when it’s a good time to sign up for another card.  Travel Freely will also notify you when an annual fee is coming up so that you can plan to downgrade, cancel, or seek a retention offer if the card’s benefits don’t outweigh the fee.  You can read more about Travel Freely here.

One great feature of Travel Freely is that it constantly shows your 5/24 status at the top of its card dashboard page (see above for an example).  Even better, it shows the date at which you’ll be able to sign up for Chase cards again (assuming you don’t sign up for any new cards in the meantime).

In order to get this information to show up correctly, you do need to enter details about all of your credit card signups.  I recommend doing so anyway with all new cards since the app will provide you with helpful reminders.  If you haven’t used Travel Freely up until now, then I’d recommend entering in all of the cards you’ve signed up for in the past 25 months, if not longer.  Yes it can be a bit of work to get started, but it’s worth it for all of Travel Freely’s primary features and for the constant 5/24 display.

Sign up here for Travel Freely (it’s free).

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.

More articles by Greg The Frequent Miler »

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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Ed. C
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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.

Rich
Guest
Rich

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?

Susan4
Guest
Susan4

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

Michael
Guest
Michael

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.

AlexL
Guest
AlexL

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.

TJ S
Guest
TJ S

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!

Gene
Guest
Gene

whats the free experian website please? thanks

Candice
Guest
Candice

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?

ff_lover
Guest
ff_lover

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

David S.
Guest
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?

Sam
Guest
Sam

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?

Peter
Guest
Peter

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
Guest
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!

Don
Guest
Don

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

Cynthia
Guest
Cynthia

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.

escot
Guest
escot

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.)

Eugene
Guest
Eugene

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.

trackback

[…] 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. […]

MalMel
Guest
MalMel

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………..

trackback

[…] good news is that there’s a workaround to seeing these as well (thanks to Frequent Miler for finding this link). If you haven’t done so yet, the first step is to sign-up for Credit […]

trackback

[…] good news is that there’s a workaround to seeing these as well (thanks to Frequent Miler for finding this link). If you haven’t done so yet, the first step is to sign-up for Credit […]

Paul B
Guest
Paul B

My wife opened a “GAP ” store credit card in 2013. She was shopping at the GAP in August of 2017. In order to get a 5% discount she needed to use her GAP card, which she did not have so the cashier cancelled her old GAP card an issued her a new card. This exact scenario happened again in November of 2017. Do these count against the 5/24 Rule? Also, she opened a “Best Buy” store card in 2018. Does this card count against the 5/24 Rule?

Gary H.
Guest
Gary H.

Hi Greg:
Good Post! I just applied for and was approved for the new Hyatt card, though I’m over 5/24. I ‘m now worried that it will extend my waiting period and am thinking of cancelling it before using it. Is it too late?

Lisa
Guest
Lisa

Do chase business cards count toward 5/24?

Marc Eric Annis
Guest
Marc Eric Annis

What is the phone number for Chase’s reconsideration line?
I was just refused the Ultimate Freedom due to too many cards in the past two years, and I believe it’s because I was added as an authorized user by my kids so they could assure enough spending for the signup bonuses.

Nick Reyes
Editor

1-888-270-2127

You can always find that kind of information on our Best Offers page. At the top of each bank section is a list of key information like that. See here for Chase in the future:

https://frequentmiler.boardingarea.com/best-credit-card-sign-up-offers/#ChaseTop

Harry Nguyen
Guest
Harry Nguyen

If you are the account holder and you add a family member as a AU, does that count to 5/24?

trackback

[…] card application, or will ruin you for 5/24, but if you don’t want to worry yourself with 5/24, it’s a pretty good return for such a small spend and no annual fee.   If […]

Lisa
Guest
Lisa

Hi! Should I include the chase business cards in the counting? I opened 3 cards in the past 24 months and 2 chase business cards. So am I 5/24 already? TIA.

trackback

[…] on top of the rewards that Ebates itself offers.  Signing up for this card will count against your 5/24 status though so keep that it mind if you are hoping to sign up for Chase credit […]

Paul Davis
Guest
Paul Davis

Chase credit journey just recently changed. Instead of showing how many accounts have been opened in the past 24 months instead they are now showing number of “hard” inquiries. For my wife it states 2 hard inquiries over the past 24 months 5 of which were for new accounts. It seems to be a rather odd change. I guess my wife is at 5/24

Gene
Guest
Gene

@Greg The Frequent Miler
doesnt creditkarma NOT include experian info? but only EF & TU.
or does it not matter, since all credit cards we want report to all 3 bureaus, even if they dont pull all 3 during application?
thanks!

Sue
Guest
Sue

I like Travel Freely! It is able to present a lot of good information. You noted it at the end of the post, but it can’t be emphasized enough: It’s a lot of work to get all the data added. But most importantly, the output data is only as good as what you put in. If you make a mistake and put in a wrong date, that will obviously skew the results, especially pertaining to 5/24.

Mike
Guest
Mike

Anyone do a product change with Wells Fargo and have the resulting account show as a new account on your credit report? I downgraded a Propel World to a Propel to save the AF in March of this year and just checked my 5/24 status using the credit karma approach and see that the propel is shown as a new account with a 3/1/2019 open date (and the propel world is shown as being closed on same date). For the past several years I wouldn’t care, but recently I’ve been considering trying to get under 5/24 and this extra “new” account would add 3 months to the wait. I’m 99% sure this was mishandled by Wells Fargo (none of my product changes with other issuers appear in the credit karma list) so it appears Wells Fargo is still using operating methods that result in inappropriately showing “new” accounts.

bob
Guest
bob

Can you elaborate on authorize user do count? So if I add my friend to my Amex card both the Amex card under my name and the Amex card under my friend name would show, so i would have 2 cards?