Chase 5/24 Calculator
Count the cards that affect Chase 5/24, see when each drops off, and find the date you're back under 5/24.
Free · No sign-up · Runs in your browser, nothing you enter is sent anywhere
Your cards
Add every card opened in the last two years, from any bank. Your credit report lists open dates.
Sources differ on the exact day; the cautious option is later.
They usually count; some people ask Chase to exclude them.
Defaults to today. Try a future date to plan an application.
How the count works
Count every personal credit card opened in the last 24 months, from any bank, including Chase. Each card stops counting 24 months after its open date. You’re under 5/24 while the count is 4 or fewer.
The open date is on your credit report (the free reports at AnnualCreditReport.com list it for each account). Use the open date, not the day the card arrived.
Example
Five personal cards, opened in October 2024 and January, March and June 2025 and February 2026, put you at 5/24 in September 2026. The October 2024 card stops counting in October 2026, so from that date you’re at 4/24, below 5/24, as long as you haven’t opened another card in the meantime.
Method and limits
- Drop-off date: open date plus 24 calendar months, or the 1st of the next month in the cautious view.
- Business cards that don’t report to personal credit aren’t counted.
- The result depends entirely on the dates you enter; check them against your credit report.
- 5/24 is not an official Chase policy and this is not an approval prediction. Chase also considers other factors.
Questions
What is Chase 5/24?
It's a widely reported pattern: Chase tends to decline applications for most of its cards if you've opened five or more personal credit cards, with any bank, in the last 24 months. Chase doesn't publish it, so treat any count as an estimate.
Do business cards count toward 5/24?
Most business cards don't appear on your personal credit report, so they generally don't add to the count. A few issuers do report business cards to personal credit; those are usually counted. Choose the matching card type in the calculator.
Do authorized-user cards count?
They usually appear on your credit report and are counted automatically. Some applicants report having them set aside by speaking with Chase, so the calculator lets you include or exclude them.
When exactly does a card stop counting?
Reports differ. Many count a card for 24 months from its open date; others wait until the first day of the following month to be safe. Choose either option and the calculator shows every date using it.
Does a denied application count?
No. Only accounts that were actually opened appear as new accounts on your credit report, so leave denied applications out.