Which credit cards count toward 5/24?

All personal credit cards from any bank count. Most business credit cards do not count, except for Capital One business cards, which typically appear on your personal credit report.

Do authorized user cards count toward 5/24?

No, authorized user cards typically do not count. However, they might still trigger an automatic denial, so you may need to call Chase to explain your situation for reconsideration.

When does a card fall off my 5/24 status?

A card falls off your 5/24 count at the start of the month after the 24-month anniversary of opening the account. For example, a card opened on March 4, 2023, falls off on April 1, 2025.

Do Chase business cards count toward 5/24?

Most Chase business cards do not count toward your 5/24 total. However, being over 5/24 will still prevent you from being approved for a Chase business card.

Are there any exceptions to the Chase 5/24 rule?

Yes, targeted and in-branch offers are sometimes exempt from 5/24, but these are rare and unpredictable. Business cards from most banks also don’t count toward 5/24.

How should I plan my credit card strategy around 5/24?

It’s smart to apply for Chase credit cards early in your credit journey, before you reach 5/24. If you’re eligible, consider applying for business cards first, as they usually don’t affect your 5/24 status.

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Q: What is the Chase 5/24 rule?

The Chase 5/24 rule means you can’t be approved for most Chase credit cards if you’ve opened five or more credit cards from any bank in the past 24 months.