How Exactly Does Chase Get Your “5/24” Count?  Do Business Cards From Chase Add to It?

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How Exactly Does Chase Get Your “5/24” Count?  Do Business Cards From Chase Add to It?

Andrew WHow Exactly Does Chase Get Your “5/24” Count?  Do Business Cards From Chase Add to It?Million Mile Secrets Team

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Of all the bank application rules, the one that stirs up the most questions is – hands down – the Chase “5/24” rule!

The rule’s name comes from the fact that Chase won’t approve you for their cards if you’ve opened 5 or more credit cards from any bank within the past 24 months.  But there are some cards you can get even if you’re over the limit, which only adds to the confusion.  Because those cards will still add to your “5/24” count.

And in addition to that, some small business cards don’t appear on your personal credit report, which means they won’t count toward your “5/24” limit!  But this isn’t true for business cards from every bank.

How Exactly Does Chase Get Your 524 Count Do Business Cards From Chase Add To It
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Million Mile Secrets reader Brad asks:

I am confused about Chase business cards.  I applied and was approved for a Marriott Rewards Premier Business Credit Card in January.  Does this card add 1 to my Chase “5/24” count?  Or am I still able to apply for 5 more Chase cards?

Hi, Brad, and thanks for the question!  The short answer is no, it does not count toward your “5/24” limit.  And you should be able to apply for additional Chase cards!

Although whether or not you will be approved for 5 more Chase cards will depend on a lot of other factors in addition to the Chase “5/24” rule.  I’ll explain the Chase “5/24” rule and exactly how it works!

What Is the Chase “5/24” Rule?

Chase has some strict application rules, which includes their “5/24” rule.  If you’ve opened 5+ cards in the prior 24 months, it’s unlikely you’ll be approved for one of their cards.  This includes credit cards from all banks, as well as any cards you have been added to as an authorized user (but you might be able to call and get Chase to ignore authorized user cards).

There are some cards that are not restricted by the “5/24” rule.  So even if you have opened more than 5 credit cards in the past 24 months, you can still be approved for certain Chase cards.  The Chase Marriott Business card is one of the Chase cards you can still get eve if you’re over the “5/24” limit.

Also, some business credit cards do not appear on your personal credit report and are not counted in the “5/24” rule.  This includes Chase business cards!

Have a Chase “5/24” Strategy!

Deciding on which cards to apply for is important when it comes to Chase’s 5/24 rule!  If you have your eye on several credit cards with a few different banks, apply for the Chase cards first!

Doing so will ensure your Chase applications will not be declined as a result of the “5/24” rule, although you will still be subject to their other approval criteria, such as your credit score and a few other factors.

How Exactly Does Chase Get Your 524 Count Do Business Cards From Chase Add To It
Prioritizing Chase Applications Can Improve Your Odds of Approval and Ensure You Are Not Turned Down Due to the Chase “5/24” Rule!

What to Do If You’re Over 5/24

If you happen to be over “5/24” and are trying to get back under the limit, I’ve got some great news for you.  You don’t have to stop applying for cards altogether!

You can still earn valuable sign-up bonuses by focusing on small business credit cards from certain banks.  Because business cards from some major banks (including Chase) do not appear on your personal credit report.  So they will not add to your “5/24” count!

In fact, team member Keith uses this exact strategy to continue earning valuable sign-up bonuses while waiting to get under “5/24”!

Bottom Line

With Chase’s strict application rules, you will have a tough time being approved for a card if you have opened 5+ cards from any bank in the prior 24 months.  Any accounts showing up on your personal credit report will count in the calculation of your “5/24” limit.  This can include accounts you are an authorized user on (but you might be able to call and get Chase to ignore authorized user cards)!

Since Chase business cards do not appear on your personal credit report, they do NOT count toward your “5/24” limit.  And if you are over “5/24,” Chase does have a few cards you can still be approved for.  But those cards will still add to your “5/24” count.

So if you have your eye on several credit cards, apply for the Chase cards first.  Then if you end up over the Chase “5/24” rule, you’ll already have the Chase cards you wanted!

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Chase shutdown my Freedom a/c (downgraded from Sapphire) today. After calling them many times they said I had more merchant credits in the past two months. They said they sent me a warning letter – which I never received. I am unable to convince them to re-open my account. I genuinely returned items that was purchased on this card a few months later and did not realize it would be a problem. Here is my question – I have been eyeing a Chase ink card – Will my personal card shutdown affect my ink application. Your reply is greatly appreciated.

This is NOT correct,My card count was 4/24 ,credit score 800+ and I was turned down for a Chase INk Cash card ,when I called Chase reconsideration line they said I had 11 cards in past 2 years ,All other cards were amex business and citi business and boa business cards which supposedly don’t show up on Chases hard pull for credit?????So why were they able to see them and turn me down based on that?

FYI: I read this article and assumed I was under the 5/24 rule. I had applied for 4 personal cards opened in the past 24 months and 3 business cards. (2 Bank of America business cards and 1 American Express business card.)

So I applied for the Chase Ink and was denied for too many cards opened. When I called the reconsideration line, the representative indicated that she saw 4 plus 3 cards opened for a total of seven. So she did see the business cards that were opened. It was such a bummer! Just wanted to make you aware of this….

Deborah, that is a bummer. It’s interesting because I was just approved for a Chase card not that long ago even though with my business cards I should have been over “5/24.”

Were the 4 personal cards you opened in the past 24 months Chase cards? Because it’s possible they didn’t want to extend you more credit.

I am confused here. I thought Chase small business cards such as Ink Plus or Ink Bold should not be counted towards 5/24 but they are! I maxed out now and when I tried to apply for Ink Bold Cash, they denied me and I have a legitimate corporate business for over 5 years! Reason, of course, is that I have opened too many accounts in a short time. So I thought I was done with all Chase cards business or personal until next year… but according to this post, I am actually still eligible for certain small business cards from Chase? Would you kindly send me a list of the cards that I am still eligible for? I would love to apply for some small business cards such as Hyatt, Marriot or United Airlines…You’ve got my hopes up now.

If you’re over “5/24” there are still some Chase cards you can be approved for:

https://millionmilesecrets.com/2017/07/30/chase-5-card-limit-exceptions/

In addition to that list, I believe the Iberia & Aer Lingus cards are also not impacted by the rule.

But keep in mind that just because you can be approved for a card, that doesn’t guarantee you will be approved. Chase will look at other factors too, like your credit score and how much credit you currently have with them.