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The Easy Way to Check Your Chase 5/24 Status

The Easy Way to Check Your Chase 5/24 Status

Million Mile SecretsThe Easy Way to Check Your Chase 5/24 StatusMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Update:   CreditKarma changed their layout.  Here’s the NEW way to check your 5/24 status using their website!

It’s now tougher to be approved for most Chase cards if you’ve opened ~5+ cards from any bank (except these business cards) in the past 24 months.  This new stricter application rule has been dubbed the “5/24” rule.

So if you want to apply for a Chase card, can you check to see how many accounts you’ve opened over the last 24 months?

Yes, and it’s simple!

Check Chase 524 Status
It’s Always Good News When You’re Approved for a New Card. But With Chase Cards, You Need to Know How Many You’ve Opened in the Last 24 Months!

I’ll show you how to check your 5/24 status!

Step-by-Step:   Check Your 5/24 Status

Link:   Credit Karma

Chase has some of the best travel credit cards, but they also have stricter application rules.  And if you’ve opened ~5+ cards from any bank (except non-Chase business cards) in the past 24 months, it’s unlikely you’ll be approved for most Chase cards.

There are 6 Chase cards that are not restricted by these new requirements.  But some of the best Chase cards, like the Chase Sapphire Preferred and Chase Sapphire Reserve, ARE restricted by these rules.  So it’s important to know how many cards you’ve opened in the last 24 months.

The good news is, it’s easy (and free!) to see how many credit cards you’ve opened with Credit Karma.

If you don’t already have a Credit Karma account, it’s easy to sign-up.  It takes ~2 minutes, because they will ask you a few questions to confirm your identity.  Otherwise, you can sign-in to your existing account.

Credit Karma uses information from your Equifax and TransUnion credit bureaus.  But it doesn’t matter which credit bureau they use because new personal credit cards show up on all three of your credit bureaus.

Step 1 – Sign-In

Click “Log In”  at the top right-hand corner of Credit Karma’s homepage to access your account.

Check Chase 524 Status
The Login and Sign-Up Buttons Are Somewhat Hidden on Credit Karma’s Homepage

Enter your email address and password, then click the “Log In”  button.

Check Chase 524 Status
Enter Your Credit Karma Login Information to Sign-In

Step 2 – Go to Your Credit Reports

After you’re logged in, you’ll be able to see your scores from both TransUnion and Equifax.  But to see the details of the reports, click the “Credit Reports”  tab.

Check Chase 524 Status
Click the “Credit Reports” Tab to Find the Detailed Information on Your TransUnion and Equifax Reports

Then scroll down to find your accounts information.

Step 3 – Find the Number of Credit Cards on Your Credit Report

Scroll down to the Accounts section, and click on “Credit Cards.”  

The number of credit card accounts shown should be similar between the 2 reports.  If they aren’t, check both reports to make sure there isn’t any bad information on 1 of the reports.  Usually this just means 1 credit agency is reporting new accounts quicker than the other.

Check Chase 524 Status
Click “Credit Cards” to See the Details, Including the Opening Date, of the Credit Cards Appearing on Your Credit Report

Step 4 – Sort Your Cards by Open Date

Click “Open Date” twice to sort your cards from newest (opened most recently) to oldest.

Check Chase 524 Status
Sort the Credit Cards on Your Credit Report by Open Date

Step 5 – Count the Number of Cards Opened in the Last 24 Months

Once your cards are sorted, you’ll be able to count the number of cards you’ve opened in the last 24 months by scrolling through the list.

Check Chase 524 Status
Million Mile Secrets Team Member Meghan Has Opened 7 Credit Personal Credit Cards Over the Past 24 Months. So Unfortunately, She’s Over 5/24

Keep in mind, if you’ve opened a card in the last ~30 days, it may NOT show up on your Credit Karma report.  And even if a card is closed, it WILL count against 5/24.

Do Business Cards Count?

Also, these business cards do NOT count against the 5/24 rule.  That’s because in general, business credit cards usually don’t appear on your personal credit report.  However, if a business card appears on your credit report, it will count against the 5 card limit.

Also, Chase knows how many CHASE business cards you have.  However, most of the evidence suggests that Chase doesn’t count there own business cards towards the 5/24 rule.

And don’t forget, AnnualCreditReport.com will give you a free credit report from all 3 credit bureaus once every 12 months.

Although it won’t include your actual FICO score, it will show you the date each of your accounts were opened.  Here’s my post on how to easily found out credit card open and close dates.

Bottom Line

With Chase’s stricter application rules, dubbed “5/24”, if you’ve opened 5 or more credit card accounts from any bank (except for these business cards) in the past 24 months, it’s VERY UNLIKELY that you’ll be approved for most Chase cards.

So if you’re considering applying for one of Chase’s travel cards, like the Chase Sapphire Preferred or Sapphire Reserve, it’s important to know whether you’re over 5/24.

Luckily, there’s a free and easy way to check the open dates of your cards with Credit Karma.  And you’ll be able to check your 5/24 status by counting the number of cards you’ve applied for over the last 24 months.

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Does your authorized user account count towards 5/24?

Has the website changed? I do not see a way to sort the accounts as stated in the article. Is there one? Thanks.

Thank you so much! (I also appreciate the incredible promptness of your response.)

This post is an obvious ad and not a genuine solution to an easy way to check 5/24 status. I never thought to look at my credit report to find out how many cards I have and when I opened them!!!!!

This blog is a joke.

I disagree. While it needs to be updated to correlate to Credit Karma’s new layout, it was easy to figure out the open dates of my various existing credit cards. I am grateful to MMS for publishing this post.

This may be a silly question but here goes. If I have applied for 5 or more cards in the last 24 months, does that mean that I still may be able to get approved for a chase business card or just that any other business cards that I’ve got in that time won’t count towards the 5?

The CK website has changed completely and this trick of yours does not work there……….Any idea how to check 5/24 status on this newer website?

or any other way to check 5/24 status on other websites etc etc?

So now you need to go into “Score details” and you can click on each account one by one to see the date the account was opened. Also worth noting that the android app still lets you acces your report and sort your accounts by open date.

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