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.  Unfortunately, it’s not obvious how to determine your 5/24 status.  That’s where this post will help.

This post has been updated to show that the Credit Karma option is not currently working.

Chase uses your credit report to count your 5/24 status.  As a result, most business cards are not included in this count because most do not get reported to personal credit bureaus.  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, but once approved, the card won’t add to your count).  Cards where you are the authorized user also count towards 5/24 when they appear on your credit report, but Chase will usually 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

Easy Ways to Count Your 5/24 Status

One complexity in determining your current 5/24 status is the fact that cancelled cards must 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…

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, open the Google Play Store and search for Experian.

Look for the app titled “Experian Credit Report“.

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

2) Select “Reports”

On the iPhone app, there are multiple named icons along the bottom of the screen.  Select “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 February 2022 you would count all accounts including those that were opened in February 2020.

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.

Travel Freely

Travel Freely automatically shows your 5/24 count (and other useful info) under “Card Stats” on the mobile app and at the top of your card dashboard via desktop web view.

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 features and for the constant 5/24 display.

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

Credit Karma (Not currently working)

This technique is not currently working, but I’ve left it in place in case we find a new working link…

Here’s how it used to be possible 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. [update 2/22/22: this link is not currently working]

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.

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Thank you Joni!!!

Carl Pietrantonio

I just want to say that Joni’s method from 3 months ago here in comments worked on Credit Karma. Took a little digging but I found the card history info I needed to answer my 5/24 question.


Awesome! So helpful. Used to use Credit Karma older browser but it no longer seems to work the way I want. This is easy and simple. Thanks again.


Thanks Greg, truly helpful.


I have a Freedom Flex MC that was a downgrade from a Chase Sapphire Preferred Visa. It shows up on my Experian credit report. Is this normal, or can I call them and ask for it to be removed?

[…] Easy Ways To Count Your 5/24 Status:  If you’ve been in this hobby for a while, you get familiar with bank rules regarding opening new accounts.  One popular bank has the infamous 5/24 rule.  Here’s a quick and easy way to check your 5/24 status. […]


I believer amazon store card counts towards 524 although it can not been used outside amazon. Saw some discussions in the oast


I can still find useful 5/24 info in Credit Karma.

  • Click on the half-circle graph containing your credit score
  • Top of that page should say “credit health” — scroll down until you see “credit age”
  • Click on “credit age”
  • Scroll down & see the issuing bank name and account age in years/months
Dugroz Reports

This is what I’ve always used, and it still works for me, too! (I did it on a computer web browser — may not work on a phone???)

Biggie F

True, but you can still go to Total Accounts -> View All Accounts -> View Closed Accounts. There your closed accounts appear starting from the most recent. If there are any plausibly within the 24 month opening window — which for most people would mean in the past 12 months, but I suppose could be 22 months for some people and some cards — you just click on them to see when they were opened.

Not perfect, but not nothing.


I just did the Southwest personal and Business card to get the CP. Those are my only two in the last 24. The business card doesn’t count against 5/24 correct?


WalletFlo will let you know if you’re over 5/24 as well if you click on “Check Eligibility” on a certain card offer. I liked the TravelFreely dashboard better, but this is another option too.


or you could just have a very detailed spreadsheet! Which if you are going to enter stuff in Travel Freely…you may as well keep the data to yourself.

Plug in a couple of formulas and you can easily count what’s opened in the last 24 months or any other time frame.

Just got to make sure to enter info as you get new cards.

Buddy M.

I refinanced my mortgage in 07/2020 and it shows on the experian app on that date. Does that actually count towards 5/24?


Much more fun being 8-10/24 and getting all those extra SUBs!


Is the Experian method fool proof? Using this method, my Synchrony charge card counts as a revolving account and puts me at 5/24. I only got this card unintentionally when I financed my mattress at a local store. It’s used at other furniture stores but not anywhere else, i.e. not Visa or MC. So without actually applying for a Chase card, how can I figure out with certainty how Chase treats my Synchrony card?


Sad to report that the Credit Karma 5/24 backdoor no longer works. Redirects to a different page with no date info.


Same experience. Sad to see this. Maybe Greg can do an updated post with other ways to easily determine our 5/24 status


Oh no, has the special Credit Karma link finally died?? I’m seeing a different interface when I click through. This will be tragic

[…] so you can get one of your slots back. Frequent Miler has a great write-up on how to determine your Chase 5/24 status (hint: using Credit Karma is […]

[…] to Frequent Miler and Doctor Of Credit for these […]

[…] Miler has a trick where you use this Credit Karma link, log in, click ‘Accounts’, and sort by ‘Open Date’. The sorted list shows […]


Hi Frequent miler: kind of a weird question: my credit karma report has me at 6/24 (2 opened in 2020 and 4 opened in 2019). I actually am at 7/24 because I opened the amex platinum last month and that’s not showing up on credit karma at all for some reason. However, my Chase Credit Journey says I haven’t opened any new cards this year. My question is this: if Chase Credit Journey thinks I haven’t opened anything this year, then would that would put me at 4/24 in Chase’s eyes? Thanks for all the great content. Love your podcast too!

[…] you do not know your 5/24 status, here’s an article that walks you through the steps on how to determine your 5/24 status on your […]


I have a question on the 5/24 rule. I have used all three suggested ways to check my 5/24 status. Travel Freely (based on data I entered) says I go under 5/24 today (10/1/2020). Both Experian and Credit Karma show a new card (Discover IT Biz) in Aug 2020, pushing by under 5/24 date to 12/1/2020. Looking closer, only Experian shows the new Discover IT Biz card (Transunion and Equifax reports do not). My question – am I under 5/24 now or should I wait until 12/1/2020. I’m very interested in the new Bonvoy Boundless sign-up offer and don’t think it will last long.

[…] The business cards have an advantage in that they don’t add to your 5/24 count.  So if you were hoping to sign up for Chase cards in the near future, the business Amex cards won’t hurt that objective.  For details about 5/24, see this post. […]

[…] Since this is a Chase card, Chase Bank will only approve applicants who did not acquire more than 5 new personal credit cards the past 24 months. You can read more about Chase’s 5/24 rule here. […]

[…] report.  This can actually help your credit score in the long run, but it will also add to your 5/24 Status which can make it harder to qualify for new Chase cards.  Fortunately, the Business Platinum […]

[…] If you often sign up for credit cards in order to earn signup bonuses, then you’ve probably realized that managing your credit is important. And it’s not just your credit score that’s important — it’s also good to be alerted when new hard inquiries are made and to know the details of your credit report . Chase’s dreaded 5/24 Rule is a good example of this. Chase will usually decline an applicant if he or she has opened 5 or more credit cards with any bank in the past 24 months. So, it’s a good idea to know how to count your 5/24 status. […]

[…] 3 Easy Ways to Count Your 5/24 Status […]


It’s been years since I’ve even considered applying for Chase cards due to a surfeit of AU Amex cards and lots of Citi AA Exec cards, but all that is >25 months. However, when you say closed accounts do count (I recently closed many hundreds of Amex AU cards that were opened 3-4-5 years ago), do those still count for 5/24? Or are you saying that’s only for closed cards that were opened within the last 25 months? (I suspect the latter).


Thanks, that’s what I suspected.

[…] How To Count Your 5/24 Status:  When people in our hobby hear 5/24, they cringe.  This blocks them from getting awesome new cards from a particular bank.  How do you know if you’re over or under 5/24? Check out this article. […]


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?


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.


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.


@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?

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

[…] 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 […]


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.

[…] 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 […]

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


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:


Harry Nguyen

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


Do chase business cards count toward 5/24?

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?

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?

[…] 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 […]

[…] 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 […]


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………..

[…] 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. […]


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.


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.)


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.


I think I’ve got it now. Ok, so right now I have 6 accounts (all recent accounts including the April 2016 account). On May 1 I will have have 5 accounts when April 2016 account drops off. On July 1, I will have 4 accounts when June 2016 drops off.

Really hate Chase’s 5/24 rule — for multiple reasons!

Thanks for the help, 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

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!


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!!


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?

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?

David S.

OK that makes more sense. You still are only counting any cards that were opened within the last 24 months even if they have since been closed.


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


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?


No, neither of the cards are business cards. I have heard that AMEX doesn’t always do a hard pull when issuing a card. Is Chase looking at hard pulls or actual cards? 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!


whats the free experian website please? thanks


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.


Thanks Greg. It is much better now. I prefer to read it chronologically. In the past few days, I had to scroll down to the bottom and scroll back up to read the full discussion.


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.


Great! Thanks.


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


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?


I’m at the limit with chase…the last card they lopped 5k of one of my cards to give me the one I recently applied for…it wasn’t initially approved either..I waited it out and it appeared a week later.
Keep that in mind.

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.

Ed. C

I just went back and double checked all 3 again to be sure. All 3 show 6 accounts opened since March 1st, 2016 with 1 of them being an account that was closed in January 2018.

On a side note, the 2 accounts that show being opened on March 16, 2016 on Credit Karma and Experian are shown as being opened on March 1, 2016 on the Credit Journey credit report page.

Ed. C

Just an update. I went 4/24 on Chase Credit Journey on the 16th. Today, the 19th, I applied for and was instantly approved for the Chase Sapphire Reserve card with the largest credit line I’ve ever been initially given.


66! Jeez, my kids think I’m nuts with 22! You go, Greg!