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Before applying for any credit card, you should become familiar with the issuing bank’s application rules. Every bank has rules, some of which restrict who can open particular cards. Chase has one of the most stringent rules in the industry, known as the “Chase 5/24 rule,” which we’ll explain here.
The 5/24 rule is an internal rule that Chase doesn’t formally publish. It’s based on crowdsourced information from Chase credit card approvals and denials. Even though it’s unofficial, it has been in existence for years.
If you plan on getting more than 1 travel rewards card (and Chase has some of the best!) to start building up your miles & points balances, then you need to know the ins and outs of the Chase 5/24 rule.
The Chase 5/24 Rule
Put simply, Chase will not approve you for any of its cards if you have already opened 5 (or more) credit card accounts in the last 24 months(with a few exceptions).
This includes cards you open at Chase and cards you open at other banks that are reported to your personal credit report.
The good news? Most business credit cards DO NOT count against you under the 5/24 rule.
When you submit a new Chase credit card application, you authorize Chase to access your personal credit report. Chase will pull this report from 1 of the 3 major credit bureaus: Equifax, Experian, or TransUnion. The bureau used depends upon where you live and differs from state to state.
Chase reviews your credit report, which shows credit card accounts reported by other banks where you have accounts. And each reported account shows an opening date and payment history. Chase uses this information, along with factors like your credit score and income, as part of its decision to approve or deny your application.
Which of My Accounts Are Included in the 5/24 Count?
Chase counts all new accounts it sees on your personal credit card report toward your 5/24 total.
Accounts that may count in the Chase 5/24:
New personal credit cards that you open at any bank. Even if you later close these accounts, they still are counted.
Retail credit cards that you open. These are credit cards, too!
If you are added as an authorized user to someone else’s credit card account.
Also worth noting is that denied credit card applications won’t count against you. If you’ve applied for a card and are denied, that application won’t show up on your credit report. Therefore, the application won’t count against your 5/24 status.
How To Check Your Chase 5/24 Status
The best spot to look in order to determine your 5/24 count is your credit report. Your credit report will show the credit card accounts you’ve opened and when you opened them. From there it’s just about doing a bit of math.
Count 24 months back from the day you’re checking your report. Then count the number of accounts that were opened within that timeframe. For example, if you check your report on August 1, 2022, you’ll need to count the number of credit card accounts you opened between August 1, 2020, and August 1, 2022.
Removing an Authorized User
If you are added as an authorized user to someone else’s account, this will be reported to the credit bureaus. Chase doesn’t distinguish between an account in your name (where you are the primary user) and authorized user accounts.
The good news is that you can erase an authorized user account from your credit report with a bit of work. Here’s how:
Have the primary user contact their bank and remove you as an authorized user.
Contact the 3 credit bureaus to remove the authorized user account from your report (Equifax, Experian, TransUnion). You need to contact all 3 bureaus because you can’t be sure which bureau Chase will use for your application.
Having the authorized user account removed from your credit report won’t happen overnight, though. It can sometimes take 60 to 90 days. So if you’ve already applied for a card, it’s worth calling Chase’s reconsideration line and asking for an exception if it’s an authorized user account that’s preventing you from being approved for a Chase card.
Signing up for Chase Credit Cards After 5/24
Image Credit: Tooykrub via Shutterstock
If you’ve hit 5/24 and are looking to sign up for a new Chase credit card, there are a few approaches to take:
1. In-branch Pre-approvals
As much as we all love the internet, did you know you can still sign up for a credit card in person? You will sometimes find that you are pre-approved for a Chase card if you visit a bank branch and speak with a banker.
2. Targeted Mailers
Sometimes you might receive a physical offer in the mail, which you can complete either by visiting a Chase branch or going online to finish your application.
3. Targeted “Just for You” Offers
On your Chase Ultimate Rewards account under Explore Products, you might find cards offer under Just for You. There are reports of some of these offers (if they’re showing a fixed APR) bypassing the 5/24 rule.
Final Thoughts
The Chase 5/24 Rule has shaken up how miles and points enthusiasts decide what credit cards to open. Many people new to earning credit card points have made earning Chase Ultimate Rewards points with Chase cards a priority ahead of applying for credit cards from other banks.
Hopefully, Chase rethinks this rule at some point. Until then, we’ll keep an eye out for any changes and let you know! It can be frustrating for those already beyond 5/24 to want some of these cards.
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Unlimited® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Disney Premier Visa® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Disney® Visa® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Featured Image Credit: amazing studio via Adobe Stock
Frequently Asked Questions
This rule refers to a restriction that Chase places on credit card applicants. If you have opened 5 cards in the last 24 months, Chase will not approve you for any of its products.
Yes. Personal charge cards issued by American Express will be counted.
Yes. However, you can have this authorized user account removed from your personal credit report by contacting the issuing bank.
No. At this point, you are restricted by Chase until your time has passed.
While hard inquiries will show on your credit report for up to 2 years, these inquiries aren’t factored into your 5/24 status. Only accounts opened in the past 24 months count against your 5/24 status.
Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
76 comments
Jonathan
March 16, 2018
The 5/24 rule is strange. It seems to me that Chase is missing out on good customers. I have one Chase card and have applied for others and been rejected from Chase. There are other cards to go for that are similar or better so the pretentious rules only hurt Chase. If I decide to apply for a thousand credit cards that’s my affair, not a banks.
Rodney
February 17, 2020
Excellent, well said!
Vani
February 23, 2020
I had no clue what this 5/24 rule was until today when I had applied and started reading reviews and stuff. I just recently applied for an AMEX Card and was approved but it’s not reflected in my credit reports yet. That was my 6th Card in 24 months. I was approved for the freedom card. Which would be my 7th. I was reading stories they will even close checking accounts for some people. All my cards are low balance and I have 10+ years with chase checking and savings and now I’m worried. I don’t want to lose my checking accounts. What do I do?
If you were approved for the card and have not received any correspondence from Chase then you do not need to do anything at this time. Chase would need to perform a financial review of your accounts before anything is closed – which is unlikely.
greg
June 09, 2018
Hi, I got a targeted mailer from Chase for the united card. 50k/$3k is the mailer but ive had this card before and am over 5/24. You think 5/24 doesn’t apply in this case for this targeted mailer?
Yes, it would count towards 5/24 – the fact that it’s a targeted offer doesn’t, unfortunately, make a difference. A card application is a card application! Sorry!
Vincent
July 27, 2018
If I get approved for a Southwest Rapid Rewards Premier Business Credit Card, will that count towards 5/24? Compare that to the Ink Preferred/Cash/Unlimited, which don’t count towards 5/24.
The SW Business credit card doesn’t count towards your 5/24 total but you will need to be under 5/24 to be approved.
Cesar
November 17, 2018
Does the new IHG club premier credit card also count to the 5/24 rule? I applied for this and the chase credit analyst said I was denied because of to many CC open on the last 24 months…
The IHG card is not currently subject to the 5/24 rule. We would advise you to hang up and call again to get a second opinion. This will be a new data point if what the credit analyst said is true.
Cesar
April 10, 2019
yes it is under the new chase 5/24 I just applied again and the same explanation was given to me. Bummer
Hi Mac,
You can’t change between card types, so you wouldn’t be able to change an Amex Blue into an Amex Hilton. You would need to open the Amex Hilton as a brand new account.
Arnie A
March 04, 2020
I traded my AMEX green for a AMEX cash. I also traded my Citibank cash reward card to a simplicity . I read you could do it and I tried and did it.
Nicole
February 12, 2019
When Chase just had the special offer of the companion pass with the new Priority card signup, the terms and conditions stated – no bonuses received in the last 24 months and no current Chase Southwest cards open. I paid and closed my Chase premier account (which they confirmed they could see when I was denied on the new Priority card) and was told that even though that account was closed, Chase was denying applicants that had recently had a Southwest card. Which is really bad. Why don’t they just put those details in the terms and conditions?
Travis
April 09, 2019
Here’s a tricky one…
What if I am the authorized user on a closed Chase account? Will they drop me from the account, if the card has already been completely closed?
Hi Travis,
Even if an account is closed, it will still count against 5/24. 5/24 is based on the credit cards accounts you have opened in the past 24 months, not just the ones that are still open. I would guess if you weren’t removed as an authorized user while the account was still open, that it would still affect your 5/24 status. However, that’s just my best guess. It could be worth applying for a card anyways and then calling into Chase Reconsideration if you are denied. Good luck!
Litso White
May 23, 2019
You can try to remove authorized user from a closed account by contacting all 3 reporting credit bureaus and filing a dispute that this account you are not responsible for ( e.g. it was your ex or former business partner). After some wrangling that would delete it from your credit file. My $0.02- worked for me with Transunion
You can monitor your number accounts through a number of different credit monitoring services. Credit Karma is a free service and popular option that many people use.
JoAnn
June 21, 2019
I was instantly approved for the Chase Southwest Rapid Rewards Card. I didn’t know about the 5/24 rule. This Chase card will be my 5th in the last 24 months due to a couple of store cards that were offering no interest when we remodeled our house. I have heard that they’ve can cancel accounts after mailing the card. Should I be concerned this will happen to me?
If the Southwest credit card was your 5th in the last 24 months then you should have nothing to worry about. The 5/24 rules make you ineligible for certain cards if you had already had 5 new accounts in the last 24 months. Since you were 4/24 before applying for the Southwest card there should be no issues! Thanks for reading!
Camille
July 22, 2019
Hi- Does this apply to cards/accounts that have actually been opened or inquiries as well?
This does not pertain to inquiries. It strictly applies to opened accounts. Thanks for reading.
Dev
September 07, 2019
Hi,
I’m currently at 4/24 and was added as an authorized user to a family member’s account this month. If the account was opened 7 years ago, will it report to the bureaus as a new card which will push me to 5/24 or will I remain at 4/24?
Hi Dev,
Even if the account was opened 7 years ago, it will most likely impact you if you were just added as an authorized user. So you are probably showing up at 5/24 now.
Syed
December 18, 2019
Hi,
I am at 4/24 now and want to apply for chase card. Will chase consider it 5/24?
I’m afraid I’m a bit confused by your question. If you’re currently at 4/24, then Chase will not consider you at 5/24, since you’ve only had 4 new cards in the last 24 months.
Ace
September 15, 2019
Does any one know if the 5% Amazon reward card is subject to the chase 5/24 rule? What if I apply through Amazon and not chase?
If you are applying for the Chase Amazon, this card is subject to the 5/24 rule.
Patrick
October 24, 2019
A bit late to this thread… the 5/24 rule only applies to OPENED cards right? Not closed accounts?
For instance if I’m at 4/24 I’m eligible for another card regardless as to how many cards I may have closed recently?
Thanks
Does Chase go with the same data that I see on the report from Credit Journey on the Chase portal? I applied for Chase Ink Cash and got an approval. However, I can see they pulled the hard inquiry which appears on the report. No hard inquiry is shown on the report for Chase Ink Preferred which I got earlier this year. CIP is not on the opened credit cards list either. I thought all the business credit cards don’t appear on inquires or opened cards list. I guess I have to wait for a few days to see if CIC appears on the open credit cards. I am not sure Chase starts with a new policy staring Nov 2019.
It is not uncommon for an inquiry for a business credit card to appear on one of your credit reports, but the card itself should not show on your credit report as a new account. Assuming it is from a credit card issuer that does not report business cards, like Chase.
Thanks for reading!
John Smith
December 08, 2019
Does the 5/24 rule apply if the card application is for a Chase business credit card? Specifically I have two offers in my checking account “Just for you” section (for Chase Ink Business Preferred and Unlimited) and wondering if 5/24 rule means that it would be a waste of time and a hard inquiry to take up Chase on its own offers?
While Chase Business credit cards do not add to your 5/24 count if approved, they are still subject to the 5/24 rule, so if you are already over 5/24 you might be denied.
Patrick
January 22, 2020
And another late but pertinent question, how does chase look at card upgrades? I have an upgrade offer from Amex for one of my cards. Would chase look at this as a new card?
Thanks
The 5/24 rule states that you can’t have opened 5 or more new accounts in the last 24 months. Since cards that were opened in 2015 were more than 24 months ago, they would not count against you.
Jeannine
February 18, 2020
If I apply for Hyatt, Marriott or Holiday Inn from the hotel site or from the hotel will I be rejected? I have stayed at hotels where they want you to join and pay with the new card approval.
Where you apply from has no influence over whether your not you will be approved or rejected. That largely depends on your credit score and credit history.
Gregg
February 20, 2020
Do store cards that are not Visa or Mastercard like an Amazon store card or cards through Adorama (Comenity) count against the 5/4 rule?
Also, does it help to have a business banking account through Chase?
Yes, any credit card that reports to your personal credit report will count against the Chase 5/24 rule (with the exception of business cards from certain banks).
Unfortunately, holding a business account with Chase does not help you get around the rule.
Laura G
February 21, 2020
I received a chase card offer for the Sapphire Reserve in the mail. I have 5 cards in the last 24 months— three in 2018, two in 2019. I did not apply for the card I was pre-approved for, but instead applied for the Southwest card. I was still approved. I double checked afterward and I was definitely at 5 cards— the “rollover” would have been June of this year. It was the Southwest Premier Card. So there is some kind of waiver or exception out there.
That is very interesting. I’ve heard some select cases of people getting approved desire being 5/24 if it was a pre-approved offer, but never when applying for an entirely separate card. Thanks for sharing this data point!
D S
May 06, 2020
SCREW Chase. Now, I’ll never apply with them again.
Richard Howard
January 05, 2021
I am arguably adversely affected by the 5/24 rule. However, one of the relevant cards is bit of an odd duck. Within the past 24 months, I got a Wawa credit card. Wawa is basically a regional gas /convenience store. While Wawa seems to handle all billing and administrative matters, I believe Citi is ultimately the financial institution behind the card. The reason for my question as to my 5/24 status is that (I am virtually certain) the card is only usable at a Wawa facility. I have read elsewhere a couple of times that a card usable ONLY at the store that issued it does not count for purposes of the 5/24 rule. Please advise if you familiar with this issue.
Mandy
October 19, 2021
Hi there!
I’m looking at applying for a Chase Southwest RR Card. I opened a SW Card (over 4 years ago) and closed the account last December 2020 (closed within the last 24 months). In that same month my husband applied for a SW RR Card, was approved and added me as an authorized user (within the last 24 months). We have another credit card through Synchrony Bank (that was opened within the last 24 months) and we also have a Home Depot CC that was opened over 24 months ago.
Does the 5/24 card rule apply to only cards opened within the last 24 months or cards that were active within the last 24 months?
Also, is there a rule against the promos for the SW RR Cards if I was an authorized user on a card within the last 24 months? My RR account did not earn the bonuses, but my husband’s did.
The 5/24 rule only applies to new cards opened within the last 24 months. And yes, if you were only an authorized user on your husbands’ card then you should be eligible to earn a bonus on a new Southwest card. Thanks for reading!
Mark
January 20, 2022
It looks like Chase has extended its 24 to 48 months. I just got declined and the email said “you have received a benefit within the last 48 months”. Has anyone seen this?
Rachel Russo
January 22, 2022
I do know they have a rule that you can’t open the CSR twice in 48 months. So if you got the CSR got the points and closed it the next time you would be able to do that again would be in 48 months
Yasuyo
January 22, 2022
I have a question regarding removing the authorized user. I just applied the Amex Hilton at the beginning of this month. One week later, I have added my husband as an authorized user, and I deeply regretted. If I want to remove this, does it hurt his or my credit scores? When do you recommend to remove it?
Thank you!
No, it should not hurt your or his credit score if you remove him as an authorized user.
Yasuyo
January 25, 2022
Thank you for your feedback. I opened the Amex/ Hilton and added my husband as an authorized user. In this case, would be both counted for the chase rules?
After removing the authorized user, will be taken off automatically at the credit report? Do we still need to contact three bureaus above just in case?
Thank you again!
Yes, if it is still posted on the credit report then it will count towards the Chase 5/24 rule technically. But you can always just tell Chase, if you are denied for being over 5/24, that one of the accounts is an authorized user account, and then it is likely that they will reconsider your application.
Yasuyo
February 05, 2022
Thank you for your reply. This would be the last question. If I change Hilton/ Amex personal to business card, will Chase still count for 5/24 rules? Are there any shortcomings for changing it?
Which date would credit history consider as opening a new credit card?
– date which changed the status to business
– date which approved a personal card
It does and it doesn’t. What I mean is, if that card shows on your credit report, then Chase’system will count it towards 5/24, which might impact your ability to be auto-approved. However, if you are denied for that reason, you can call the Chase reconsideration line and tell them that you’re only an authorized user on that card, and that can often be grounds to turn the rejection into an acceptance.
llover524
September 01, 2022
In the list of business cards that are affected by 5/24, you have not listed the United Explorer business card and the United Club business card. Are those cards not subject to 5/24 or was that just an oversight?
Thanks for pointing that out, both cards have now been added to the list of business cards impacted by 5/24.
Raul
September 20, 2022
Can you please clarify this answer that you provided? “Yes. However, you can have this authorized user account removed from your personal credit report by contacting the issuing bank.” I added my wife to four cards, but only one of them asked for her social security. I’m thinking the three where her social security was not collected, these shouldn’t appear on her credit report and not count towards the 5/24, correct? Either way, I’m planning to remove her from at least two of these three cards, so going back to your answer, is it simply a matter of me calling the bank and having her removed as an auth user to have those cards not count towards the 5/24, assuming it’s being counted? Thanks!
Correct. If you never provided her social security number then it is unlikely that those cards would appear on her credit report. Thanks for reading!
vnr111
February 19, 2023
Hi I have 3 LLCs. I applied for chase ink unlimited business cards in the Chase branch for each of the 3 LLCs, and all got approved (1 in each LLC). I did have a hard pull on my credit.
Is it possible to apply for more chase ink cards in the each of my llcs so I can get more sign up bonuses? Is there a max? And how long do I have to wait before applying for more ink cards?
Yes, you can have multiple ink cards for each of your LLCs since they are separate businesses. The only limit is that you cannot receive the welcome bonus on a specific Ink card if you already have it opened under the same LLC. For example, if LLC #1 has an Ink Business Unlimited card, you receive the welcome bonus for the second Ink Business Unlimited card under that LLC without closing the first card.
Matt
June 14, 2023
Anybody know if secured credit cards count? I’m assuming they do. Accidentally opened a Chime Credit Builder to go to 5/24…. ugh.
If you are “far over” 5/24 and want to apply for another Chase card, there is a very good chance that your application will be declined. Regardless of receiving a mailer or not.
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
76 comments
Jonathan
March 16, 2018
The 5/24 rule is strange. It seems to me that Chase is missing out on good customers. I have one Chase card and have applied for others and been rejected from Chase. There are other cards to go for that are similar or better so the pretentious rules only hurt Chase. If I decide to apply for a thousand credit cards that’s my affair, not a banks.
Rodney
February 17, 2020
Excellent, well said!
Vani
February 23, 2020
I had no clue what this 5/24 rule was until today when I had applied and started reading reviews and stuff. I just recently applied for an AMEX Card and was approved but it’s not reflected in my credit reports yet. That was my 6th Card in 24 months. I was approved for the freedom card. Which would be my 7th. I was reading stories they will even close checking accounts for some people. All my cards are low balance and I have 10+ years with chase checking and savings and now I’m worried. I don’t want to lose my checking accounts. What do I do?
Jarrod West
February 24, 2020
Hi Vani,
If you were approved for the card and have not received any correspondence from Chase then you do not need to do anything at this time. Chase would need to perform a financial review of your accounts before anything is closed – which is unlikely.
greg
June 09, 2018
Hi, I got a targeted mailer from Chase for the united card. 50k/$3k is the mailer but ive had this card before and am over 5/24. You think 5/24 doesn’t apply in this case for this targeted mailer?
Alex Miller
June 09, 2018
Yes, it would count towards 5/24 – the fact that it’s a targeted offer doesn’t, unfortunately, make a difference. A card application is a card application! Sorry!
Vincent
July 27, 2018
If I get approved for a Southwest Rapid Rewards Premier Business Credit Card, will that count towards 5/24? Compare that to the Ink Preferred/Cash/Unlimited, which don’t count towards 5/24.
Michael McHugh
July 30, 2018
Hi Vincent
The SW Business credit card doesn’t count towards your 5/24 total but you will need to be under 5/24 to be approved.
Cesar
November 17, 2018
Does the new IHG club premier credit card also count to the 5/24 rule? I applied for this and the chase credit analyst said I was denied because of to many CC open on the last 24 months…
Stephen Au
November 20, 2018
Hey Cesar,
The IHG card is not currently subject to the 5/24 rule. We would advise you to hang up and call again to get a second opinion. This will be a new data point if what the credit analyst said is true.
Cesar
April 10, 2019
yes it is under the new chase 5/24 I just applied again and the same explanation was given to me. Bummer
Stephen Au
April 17, 2019
Hey Cesar,
Yes, unfortunately 5/24 is applicable to virtually all Chase cards now.
Mac C
January 20, 2019
What if I change a card type from one to another? E.g. Changed my Amex Blue to Amex Hilton … is that a new account …. thx
Katie Seemann
January 26, 2019
Hi Mac,
You can’t change between card types, so you wouldn’t be able to change an Amex Blue into an Amex Hilton. You would need to open the Amex Hilton as a brand new account.
Arnie A
March 04, 2020
I traded my AMEX green for a AMEX cash. I also traded my Citibank cash reward card to a simplicity . I read you could do it and I tried and did it.
Nicole
February 12, 2019
When Chase just had the special offer of the companion pass with the new Priority card signup, the terms and conditions stated – no bonuses received in the last 24 months and no current Chase Southwest cards open. I paid and closed my Chase premier account (which they confirmed they could see when I was denied on the new Priority card) and was told that even though that account was closed, Chase was denying applicants that had recently had a Southwest card. Which is really bad. Why don’t they just put those details in the terms and conditions?
Travis
April 09, 2019
Here’s a tricky one…
What if I am the authorized user on a closed Chase account? Will they drop me from the account, if the card has already been completely closed?
Katie Seemann
April 11, 2019
Hi Travis,
Even if an account is closed, it will still count against 5/24. 5/24 is based on the credit cards accounts you have opened in the past 24 months, not just the ones that are still open. I would guess if you weren’t removed as an authorized user while the account was still open, that it would still affect your 5/24 status. However, that’s just my best guess. It could be worth applying for a card anyways and then calling into Chase Reconsideration if you are denied. Good luck!
Litso White
May 23, 2019
You can try to remove authorized user from a closed account by contacting all 3 reporting credit bureaus and filing a dispute that this account you are not responsible for ( e.g. it was your ex or former business partner). After some wrangling that would delete it from your credit file. My $0.02- worked for me with Transunion
Stephen Au
May 23, 2019
Hey Litso,
Thanks for reading. You’re absolutely correct, and we are happy to hear that it worked for you.
Steven
June 04, 2019
Is there an easy way to see how many cards opened in last 24 months?
Jarrod West
June 04, 2019
Hey Steven,
You can monitor your number accounts through a number of different credit monitoring services. Credit Karma is a free service and popular option that many people use.
JoAnn
June 21, 2019
I was instantly approved for the Chase Southwest Rapid Rewards Card. I didn’t know about the 5/24 rule. This Chase card will be my 5th in the last 24 months due to a couple of store cards that were offering no interest when we remodeled our house. I have heard that they’ve can cancel accounts after mailing the card. Should I be concerned this will happen to me?
Jarrod West
June 22, 2019
Hi JoAnn,
If the Southwest credit card was your 5th in the last 24 months then you should have nothing to worry about. The 5/24 rules make you ineligible for certain cards if you had already had 5 new accounts in the last 24 months. Since you were 4/24 before applying for the Southwest card there should be no issues! Thanks for reading!
Camille
July 22, 2019
Hi- Does this apply to cards/accounts that have actually been opened or inquiries as well?
Stephen Au
July 22, 2019
This does not pertain to inquiries. It strictly applies to opened accounts. Thanks for reading.
Dev
September 07, 2019
Hi,
I’m currently at 4/24 and was added as an authorized user to a family member’s account this month. If the account was opened 7 years ago, will it report to the bureaus as a new card which will push me to 5/24 or will I remain at 4/24?
Thanks,
Dev
Katie Seemann
September 07, 2019
Hi Dev,
Even if the account was opened 7 years ago, it will most likely impact you if you were just added as an authorized user. So you are probably showing up at 5/24 now.
Syed
December 18, 2019
Hi,
I am at 4/24 now and want to apply for chase card. Will chase consider it 5/24?
Jarrod West
December 18, 2019
Hi Syed,
I’m afraid I’m a bit confused by your question. If you’re currently at 4/24, then Chase will not consider you at 5/24, since you’ve only had 4 new cards in the last 24 months.
Ace
September 15, 2019
Does any one know if the 5% Amazon reward card is subject to the chase 5/24 rule? What if I apply through Amazon and not chase?
Michael McHugh
September 16, 2019
Hi Ace,
If you are applying for the Chase Amazon, this card is subject to the 5/24 rule.
Patrick
October 24, 2019
A bit late to this thread… the 5/24 rule only applies to OPENED cards right? Not closed accounts?
For instance if I’m at 4/24 I’m eligible for another card regardless as to how many cards I may have closed recently?
Thanks
Stephen Au
October 24, 2019
Hi Patrick,
Yes that’s correct. If you opened 4 accounts but closed 1, it doesn’t count as 5. It’s 4 accounts opened. Thanks for reading.
Candace Christenson
October 24, 2019
All of these questions keep referring back to ONLY Chase accounts/credit cards.
Which cards can I apply for that are not under the Chase umbrella and do not take the 5/24 rule under consideration when approving a new account?
Thanks!
Jarrod West
October 24, 2019
Hi Candace,
You can see a full write up of all the major bank rules in our dedicated post here: /applying-for-credit-cards-bank-rules
JUSTIN
November 01, 2019
Does Chase go with the same data that I see on the report from Credit Journey on the Chase portal? I applied for Chase Ink Cash and got an approval. However, I can see they pulled the hard inquiry which appears on the report. No hard inquiry is shown on the report for Chase Ink Preferred which I got earlier this year. CIP is not on the opened credit cards list either. I thought all the business credit cards don’t appear on inquires or opened cards list. I guess I have to wait for a few days to see if CIC appears on the open credit cards. I am not sure Chase starts with a new policy staring Nov 2019.
Jarrod West
November 08, 2019
Hi Justin,
It is not uncommon for an inquiry for a business credit card to appear on one of your credit reports, but the card itself should not show on your credit report as a new account. Assuming it is from a credit card issuer that does not report business cards, like Chase.
Thanks for reading!
John Smith
December 08, 2019
Does the 5/24 rule apply if the card application is for a Chase business credit card? Specifically I have two offers in my checking account “Just for you” section (for Chase Ink Business Preferred and Unlimited) and wondering if 5/24 rule means that it would be a waste of time and a hard inquiry to take up Chase on its own offers?
Jarrod West
December 08, 2019
Hi John,
While Chase Business credit cards do not add to your 5/24 count if approved, they are still subject to the 5/24 rule, so if you are already over 5/24 you might be denied.
Patrick
January 22, 2020
And another late but pertinent question, how does chase look at card upgrades? I have an upgrade offer from Amex for one of my cards. Would chase look at this as a new card?
Thanks
Jarrod West
January 22, 2020
Hi Patrick,
Chase would not count an upgrade as a new account towards 5/24.
Lily Brass
January 27, 2020
When does the count start again?
Say, I opened 5 cards last year, with 1/24 being open on January 16.
Am I 5/24 or 1/24 at this point?
Jarrod West
January 27, 2020
Hi Lily,
If you have opened 5 cards since 1/16/2019, then you would currently be 5/24.
Lily Brass
January 29, 2020
Thanks!
But what if I opened 0 cards in 2018, and all my prior cards date back to 2015 and older, can I be considered 1/24 then?
Jarrod West
January 29, 2020
Hi Lily,
The 5/24 rule states that you can’t have opened 5 or more new accounts in the last 24 months. Since cards that were opened in 2015 were more than 24 months ago, they would not count against you.
Jeannine
February 18, 2020
If I apply for Hyatt, Marriott or Holiday Inn from the hotel site or from the hotel will I be rejected? I have stayed at hotels where they want you to join and pay with the new card approval.
Jarrod West
February 19, 2020
Hi Jeannine,
Where you apply from has no influence over whether your not you will be approved or rejected. That largely depends on your credit score and credit history.
Gregg
February 20, 2020
Do store cards that are not Visa or Mastercard like an Amazon store card or cards through Adorama (Comenity) count against the 5/4 rule?
Also, does it help to have a business banking account through Chase?
Thank you
Jarrod West
February 20, 2020
Hi Gregg,
Yes, any credit card that reports to your personal credit report will count against the Chase 5/24 rule (with the exception of business cards from certain banks).
Unfortunately, holding a business account with Chase does not help you get around the rule.
Laura G
February 21, 2020
I received a chase card offer for the Sapphire Reserve in the mail. I have 5 cards in the last 24 months— three in 2018, two in 2019. I did not apply for the card I was pre-approved for, but instead applied for the Southwest card. I was still approved. I double checked afterward and I was definitely at 5 cards— the “rollover” would have been June of this year. It was the Southwest Premier Card. So there is some kind of waiver or exception out there.
Jarrod West
February 21, 2020
Hi Laura,
That is very interesting. I’ve heard some select cases of people getting approved desire being 5/24 if it was a pre-approved offer, but never when applying for an entirely separate card. Thanks for sharing this data point!
D S
May 06, 2020
SCREW Chase. Now, I’ll never apply with them again.
Richard Howard
January 05, 2021
I am arguably adversely affected by the 5/24 rule. However, one of the relevant cards is bit of an odd duck. Within the past 24 months, I got a Wawa credit card. Wawa is basically a regional gas /convenience store. While Wawa seems to handle all billing and administrative matters, I believe Citi is ultimately the financial institution behind the card. The reason for my question as to my 5/24 status is that (I am virtually certain) the card is only usable at a Wawa facility. I have read elsewhere a couple of times that a card usable ONLY at the store that issued it does not count for purposes of the 5/24 rule. Please advise if you familiar with this issue.
Mandy
October 19, 2021
Hi there!
I’m looking at applying for a Chase Southwest RR Card. I opened a SW Card (over 4 years ago) and closed the account last December 2020 (closed within the last 24 months). In that same month my husband applied for a SW RR Card, was approved and added me as an authorized user (within the last 24 months). We have another credit card through Synchrony Bank (that was opened within the last 24 months) and we also have a Home Depot CC that was opened over 24 months ago.
Does the 5/24 card rule apply to only cards opened within the last 24 months or cards that were active within the last 24 months?
Also, is there a rule against the promos for the SW RR Cards if I was an authorized user on a card within the last 24 months? My RR account did not earn the bonuses, but my husband’s did.
Thanks for the help!
Jarrod West
October 19, 2021
Hi Mandy,
The 5/24 rule only applies to new cards opened within the last 24 months. And yes, if you were only an authorized user on your husbands’ card then you should be eligible to earn a bonus on a new Southwest card. Thanks for reading!
Mark
January 20, 2022
It looks like Chase has extended its 24 to 48 months. I just got declined and the email said “you have received a benefit within the last 48 months”. Has anyone seen this?
Rachel Russo
January 22, 2022
I do know they have a rule that you can’t open the CSR twice in 48 months. So if you got the CSR got the points and closed it the next time you would be able to do that again would be in 48 months
Yasuyo
January 22, 2022
I have a question regarding removing the authorized user. I just applied the Amex Hilton at the beginning of this month. One week later, I have added my husband as an authorized user, and I deeply regretted. If I want to remove this, does it hurt his or my credit scores? When do you recommend to remove it?
Thank you!
Jarrod West
January 22, 2022
Hi Yasuyo,
No, it should not hurt your or his credit score if you remove him as an authorized user.
Yasuyo
January 25, 2022
Thank you for your feedback. I opened the Amex/ Hilton and added my husband as an authorized user. In this case, would be both counted for the chase rules?
After removing the authorized user, will be taken off automatically at the credit report? Do we still need to contact three bureaus above just in case?
Thank you again!
Jarrod West
January 26, 2022
Hi Yasuyo,
Yes, if it is still posted on the credit report then it will count towards the Chase 5/24 rule technically. But you can always just tell Chase, if you are denied for being over 5/24, that one of the accounts is an authorized user account, and then it is likely that they will reconsider your application.
Yasuyo
February 05, 2022
Thank you for your reply. This would be the last question. If I change Hilton/ Amex personal to business card, will Chase still count for 5/24 rules? Are there any shortcomings for changing it?
Which date would credit history consider as opening a new credit card?
– date which changed the status to business
– date which approved a personal card
Thank you so much!
Jarrod West
February 08, 2022
Hi Yasuyo,
As far as I know, you cannot product change a personal card into a business credit card.
Ronaldo
April 27, 2022
If I am an “additional member” of an Amex Platinum card, does that count towards 5/24?
Jarrod West
April 28, 2022
Hi Ronaldo,
It does and it doesn’t. What I mean is, if that card shows on your credit report, then Chase’system will count it towards 5/24, which might impact your ability to be auto-approved. However, if you are denied for that reason, you can call the Chase reconsideration line and tell them that you’re only an authorized user on that card, and that can often be grounds to turn the rejection into an acceptance.
llover524
September 01, 2022
In the list of business cards that are affected by 5/24, you have not listed the United Explorer business card and the United Club business card. Are those cards not subject to 5/24 or was that just an oversight?
Jarrod West
October 03, 2022
Hi llover524,
Thanks for pointing that out, both cards have now been added to the list of business cards impacted by 5/24.
Raul
September 20, 2022
Can you please clarify this answer that you provided? “Yes. However, you can have this authorized user account removed from your personal credit report by contacting the issuing bank.” I added my wife to four cards, but only one of them asked for her social security. I’m thinking the three where her social security was not collected, these shouldn’t appear on her credit report and not count towards the 5/24, correct? Either way, I’m planning to remove her from at least two of these three cards, so going back to your answer, is it simply a matter of me calling the bank and having her removed as an auth user to have those cards not count towards the 5/24, assuming it’s being counted? Thanks!
Jarrod West
September 20, 2022
Hi Raul,
Correct. If you never provided her social security number then it is unlikely that those cards would appear on her credit report. Thanks for reading!
vnr111
February 19, 2023
Hi I have 3 LLCs. I applied for chase ink unlimited business cards in the Chase branch for each of the 3 LLCs, and all got approved (1 in each LLC). I did have a hard pull on my credit.
Is it possible to apply for more chase ink cards in the each of my llcs so I can get more sign up bonuses? Is there a max? And how long do I have to wait before applying for more ink cards?
Jarrod West
February 20, 2023
Hi VNR,
Yes, you can have multiple ink cards for each of your LLCs since they are separate businesses. The only limit is that you cannot receive the welcome bonus on a specific Ink card if you already have it opened under the same LLC. For example, if LLC #1 has an Ink Business Unlimited card, you receive the welcome bonus for the second Ink Business Unlimited card under that LLC without closing the first card.
Matt
June 14, 2023
Anybody know if secured credit cards count? I’m assuming they do. Accidentally opened a Chime Credit Builder to go to 5/24…. ugh.
Chris Hassan
June 15, 2023
Hey Matt,
Yes, secured credit cards will be counted towards your 5/24.
Jackson Ellis
June 27, 2023
Far over 5/24, however just received a mailer for Marriott Boundless, should I apply?
Chris Hassan
June 28, 2023
If you are “far over” 5/24 and want to apply for another Chase card, there is a very good chance that your application will be declined. Regardless of receiving a mailer or not.
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