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Go-To Guide With 4 (Easy!) Steps to Check Your “5/24” Status

Go-To Guide With 4 (Easy!) Steps to Check Your “5/24” Status

Million Mile SecretsGo-To Guide With 4 (Easy!) Steps to Check Your “5/24” StatusMillion Mile Secrets Team

Million Mile Secrets reader, Fran, emailed:

I’m having trouble figuring out how many credit cards I’ve opened in the past 2 years.  I want to know so I can apply for a Chase card soon.  Does the “5/24 rule” count cards that were canceled?

Chase has some of the best miles & points credit cards!  So I understand why Fran is curious to find out how many cards she opened in the past 2 years.

Count How Many Open Credit Cards
Many Chase Cards Offer Fantastic Sign-Up Bonuses, Which You Can Use to Save Lots of Money on Trips to Places Like Paris!

With Chase’s tougher application rules, it’s unlikely you’ll be approved for most of their cards if you’ve opened 5+ cards from any bank (NOT counting Chase business cards and these other business cards) in the past 24 months.

And canceling any of the cards you opened in the past 2-year period will NOT increase your approval chances for most Chase cards if you’re above the “5/24” limit.  But keep in mind, there are 7 Chase cards which are NOT impacted by the bank’s stricter application rules.

To see how many credit cards you’ve opened, I recommend using Credit Karma.  It’s free and easy!

How to Check Your Chase 5/24 Status

Link:   Credit Karma

You need a Credit Karma account to use the site.  It’s free to create an account and only takes ~2 minutes!  During sign-up, they’ll ask you a few questions to confirm your identity.

Credit Karma uses information from your Equifax and TransUnion credit reports.  But it doesn’t matter which credit bureau they use because new personal credit cards show up on all 3 credit bureaus.

Step 1.   Log-In to Credit Karma

First, enter your email address and password to log-in on the Credit Karma homepage.

Count How Many Open Credit Cards
Enter Your Email and Password to Log-In to Your Credit Karma Account

Step 2.   View Your Credit Score Details

After you’re logged-in, you’ll see your credit scores from TransUnion and Equifax.  Cick on “View score details. 

It doesn’t matter if you click underneath TransUnion or Equifax because they should both include the same account information.

Count How Many Open Credit Cards
Get Details of Your Credit Score

Then, scroll down to credit factors and click View details under the box in the bottom left that shows your credit age.

Count How Many Open Credit Cards
Your Credit Age Details Will Show Your Age of Open Accounts

Step 3.   Count the Number of Open Card Accounts

You’ll see a list of all your open credit card accounts.  So you can count how many were opened in the past 24 months.

Count How Many Open Credit Cards
Credit Karma Shows a Nice List of Opened Card Accounts

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 team members Harlan and Keith noticed certain small business cards (like AMEX, Citi, and Chase cards) did NOT show up in their CreditKarma reports!

If you have NOT canceled any cards in the past 24 months, you’re all done.  But if you have, you’ll want to follow the next step to make sure you’re counting all of the cards you recently opened.

Step 4.   Be Sure to See If Any Closed Accounts Impact Your “5/24” Limit

Remember, even if you canceled a card that was opened in the past 24 months, it still counts toward the Chase “5/24” limit.  To check when you opened your canceled cards, you can click “View all accounts” on the top right corner of the previous page.

Count How Many Open Credit Cards
View All of Your Accounts to See If Any Canceled Cards Were Opened in the Past 24 Months

Then, scroll down to the list of closed credit card accounts.

Count How Many Open Credit Cards
Check the List of Closed Credit Card Accounts

Once you click on the bank name on the list of closed accounts, you’ll see more details for that card.  For example, I clicked on the Chase card that was closed in January 2017.

The details will show how when the closed card was opened.  If it’s been less than 2 years, you’ll have to include this in your card count to determine whether you’re likely to be approved for a new Chase card or not.

Count How Many Open Credit Cards
Expand the Details of Any Closed Accounts to See If the Card Was Opened in the Past 24 Months

Chase’s Application Rules Means You Should Get Their Cards First!

Link:   Best Card Strategy for Beginners in 2017

Link:   Chase Trifecta Card Strategy (Only ONE Annual Fee!)

Because it’s tougher to get Chase cards, I recommend applying for their cards first.  Specifically, I recommend applying for cards that earn valuable Chase Ultimate Rewards points.

Here are the top Chase cards I recommend:

Note:   Chase now restricts folks to only having one Sapphire card at a time.  For example, if you’ve already got a Chase Sapphire Reserve, you won’t be able to open a Chase Sapphire Preferred (or vice versa).

Bottom Line

If you’re looking to check how many credit cards you’ve recently opened, I recommend using Credit Karma.  It’s free and only takes 4 quick steps.

It’s important to know how many cards you’ve opened if you plan to apply for Chase cards.  Because the bank will not approve you for most of their cards if you’ve opened 5+ cards from any bank (NOT counting Chase business cards and these other business cards) in the past 24 months.

This is why my recommended card strategy for beginners is to apply for Chase cards first!  With cards like the Chase Sapphire Preferred and Ink Business Preferred you can earn big sign-up bonuses and save lots of money on travel!

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Chase has section on its website that reveals the number of cards one has opened within the past two years

Would love if you could share a link. Thanks!

Million Mile Secrets

Thanks for letting me know!

Thanks for this great clear explanation. Just to be on the safe side... I moved recently to the US (Sep 2016) and building my credit slowly. I currently have (and based on C. Karma) 3 CC. 2 Amex and 1 from TD Bank.
I had some refuses (as I did not understand how this Credit system works). Delta Amex, United Chase and PayPal (or ebay) refuses my previous application. Question- If I can't see those denied cards on my C. Karma- does it means that they won't be part as the 5/24? I have 742 points according to C. Karma.
Thanks

Would corporate cards (Amex CCs provided by employer for which I did provide my SSN for application) count against me for the 5/24 rule?

This is incredibly helpful- thank you!

If I have only been added as an authorized user, will that count towards 5/24?

Million Mile Secrets

If the authorized user account appears on your personal credit report, it will count toward your 5/24 limit. That said, some folks have had success asking Chase to reconsider applications if they're over the limit because of authorized user accounts. Hope this helps!

Really helpful - Thanks!

Quick follow up question. I have the Chase Business Sapphire Preferred card, but it doesn't show up on my Credit Karma report. That being said, it's a Chase card, so I assume they know of it. Is there any anecdotal evidence as to whether or not Chase counts their own Business cards toward 5/24, even if they don't show up on your credit report? Thanks in advance for the help.

I can see how Chase automated computer might be programmed to only look at what is on the personal credit report and give instant approval. But if I apply with a long card history and one 5/24 slot open I can't believe a reconsideration call rep would not look at my existing Chase Ink Preferred and not count it as against me . Any data points to test that situation?

Million Mile Secrets

In my experience, Chase does not count their business cards toward the 5/24 limit.

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