Chase 5/24

What it does

5/24 is Chase's way of saying 'we want customers, not churners.' If you've opened 5 or more new personal credit cards in the trailing 24 months (regardless of issuer), Chase's algorithm will auto-deny most of their cards. Business cards from most issuers - including Chase's own - don't add to your 5/24 count because they don't report to your personal credit file, though Chase still checks your 5/24 status when you apply for one of its business cards.

How it works

• The clock starts on the open date of each card, not the application date. A card opened on Jan 15, 2024 falls off your 5/24 count on Jan 15, 2026.
• Authorized-user cards can count too, but reconsideration will usually back them out if you ask. Safe assumption: count them until you have to argue otherwise.
• Business cards from most issuers (Amex, Chase, Citi, US Bank, Wells Fargo) do NOT show on your personal credit report and do NOT count toward 5/24.
• Known exceptions that DO count: business cards from Discover, TD Bank, and most Capital One business cards report to personal credit. Capital One's Venture X Business and Spark Cash Plus are the carve-outs - they don't report, so they don't count.
• Closed cards still count for 24 months from when they were opened, not when they were closed.

What to do

• Run Chase cards FIRST when you're early in a churning cycle. Once you're at 5/24, the rest of Chase is locked out for the calendar window.
• If you're at 5/24 and want to drop down, the only option is time. There's no way to "pay down" the count.
• A Chase business card (Ink Business, etc.) doesn't add to your 5/24 from Chase's perspective once issued, but the application itself triggers a 5/24 check. Apply when under.