Reader Question: “Has Chase Changed Their 5/24 Rule? I Was Denied a Card and I Don’t Know Why”

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Reader Question:  “Has Chase Changed Their 5/24 Rule? I Was Denied a Card and I Don’t Know Why”

Million Mile SecretsReader Question:  “Has Chase Changed Their 5/24 Rule? I Was Denied a Card and I Don’t Know Why”Million Mile Secrets Team

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We love Chase credit cards because they have some of the best sign-up bonuses of any bank.  But Chase also has strict application rules, that limit the number of Chase cards you can open.

Chase doesn’t explicitly define the 5/24 rule on their website or anywhere else, which is why we are here to help!

Chase 524 Status
Chase Has Some of the Most Valuable Credit Cards Out There. That Can Get You to Places Like Bora Bora! So It’s Important to Understand Their Application Rules

Million Mile Secrets reader Rick asked:

I just applied for the Chase Marriott Rewards Premier card and was denied specifically for too many cards in the last 2 years.

I have only opened 4 cards in the last 2 years, all from Chase:  the Chase AARP card, Chase Hyatt, the Chase Sapphire Preferred Card, and the Chase Disney Premier.  I was also added as an authorized user to my wife’s Chase Hyatt card, which made the card count 5.  But your information shows the Hyatt, AARP and Disney cards don’t count toward Chase’s 5/24 rule.

I ended up calling the reconsideration line twice and only after getting my authorized user removed from my credit report would they reconsider.  Has Chase changed which cards count towards their 5/24 rules?

Thanks for the question, Rick!

Let’s take a look at the details of Chase’s 5/24 rule.

The Chase 5/24 Rule

In Rick’s case, it’s important to note that the 4 Chase cards he opened over the last 2 years, the Chase AARP card, Chase Hyatt, the Sapphire Preferred, and the Chase Disney Premier, actually DO count toward Chase’s 5/24 rule.  But they are not affected by the 5/24 rule.

With Chase’s tougher application rules, dubbed “5/24,” 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.

Like he mentioned, his authorized user card counted against his 5/24 status, too.  So when he applied for the Chase Marriott Rewards Premier card, he had already reached his 5/24 limit.  That’s why Chase was able to reconsider his application after removing his authorized user account from his report.

Which Credit Cards Are Affected by the Chase “5/24” Rule?

Chase’s 5/24 rule applies to almost all of their cards, except certain ones like the Marriott Rewards Premier Business Credit Card, the Chase Hyatt, and the British Airways Visa Signature® Card.  You can read more about which cards are affected here.

Chase 524 Status
Small Business Cards From AMEX Will Not Appear on Your Personal Credit Report, Which Will Help You Stay Under the Chase “5/24” Rule

So if you’re over 5/24, you might be able to get a card that isn’t affected by the rule.  But your approval will also depend on your credit score and several other factors.

Here’s how to check your status.

Which Credit Cards Do NOT Count Toward Your “5/24” Limit?

Small business credit cards from certain banks will NOT show up on your personal credit report.  And those accounts will NOT count toward your “5/24” limit.  Small business credit cards from the following banks will not show up on your personal credit report:

  • AMEX
  • Bank of America
  • Chase
  • Citi
  • US Bank

Because Chase small business cards do not count toward your “5/24” status, you could apply for one while you’re under the limit and it won’t put you over.  But if you are already over the “5/24” rule, then it’s likely you won’t be approved for a new Chase small business credit card.  The one exception to that situation is the Chase Marriott Rewards Premier Business Credit Card.

That said, whether or not you’re approved for any Chase card is still up to the bank.

Bottom Line

With Chase’s 5/24 rule, if you’ve opened 5+ credit card accounts within the past 24 months, you likely won’t be able to get most Chase credit cards.  Although there are a few exceptions to this rule.

In Rick’s case, it’s important to distinguish which cards are affected by the rule and which count toward the 5/24 limit.

New personal credit card accounts from any bank will be included in your “5/24” count.  But if you qualify for a small business credit card, some of them do NOT count toward the limit.

If you are looking to open a new Chase credit card, remember, this rule is not the only factor that will affect your approval chances.

Thanks again for the question, Rick!

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I was fooled by this 5/24 rule for the longest. I kept being told by others that I was until I realized store cards don’t count. So got my business card and will be 3/24 in a few months.

Million Mile Secrets

Glad you were approved for a business card. But signing up for store cards will count toward your 5/24 limit.

Here is a post with more information about that:

I applied for the Marriott Rewards Premier Business Card and was denied, I called and they stated too many credit inquiries and listed the cards I applied for over the past year. So it might be subject to 5/24.

Million Mile Secrets

Thanks for sharing. Applying for lots of cards will definitely make it harder to get approved for new accounts.

Since going under the 5/24 limit this September I’ve been successfully loading up on Chase business cards – Ink Cash, Ink Preferred and Mileage Plus Business. If I understand correctly, Chase still considers me as being under the 5/24 limit. And if I try to add the Marriott business card, that will remain true. Very cool. (I am hoping for the award on that card to again go up to 100k before applying.)

Million Mile Secrets

That’s right, Chase business cards don’t appear on your personal credit report. So they won’t add to your 5/24 count.

But the 5/24 limit isn’t the only factor that will affect your approval. Chase will only extend you a certain amount of credit and it’s tougher to get approved for lots of cards from one bank in a short period of time.

I had 6 cards: 2 from Bank of America, 3 from Chase (Hyatt, IHG and Marriott) and 1 as an authorized user. Tried to apply for a Chase Bussiness Ink and didn’t work (I was not sure because I used my social security on the application or the 5/24 rule). Then, when 1 of these cards were free from the 5/24, now I could be approved for the Chase Sapphire Reserve.

Million Mile Secrets

You are allowed to use your social security number for a business application, so that won’t hurt your chances of approval.

The authorized user card will count toward your 5/24 status. But as mentioned in the this post, you might be able to call Chase and have them ignore it.

So when one of your 5 other new accounts drops off your 5/24 count you’ll most likely be eligible for the Chase Sapphire Reserve.

Add the new Iberia card to the ones not affected. I am way, way over 5/24 and was approved for the Iberia card a week ago. Not a surprise, since the BA card is one of those you can get, and Iberia is part of the same corporation.

Million Mile Secrets

Thanks for the data point, that’s good to know.

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