Chase 5/24 calculator: check your count and drop-offs
Checked
Enter card-opening dates to estimate your Chase 5/24 count and when it may fall below five. Include recently closed cards and check business and authorized-user reporting. The dates use this calculator’s stated method and do not establish Chase’s approval decision.
Chase 5/24 opening-count rule · Applicant reports · Chase authorized users and closed cards · Applicant reports · Chase business cards and 5/24 · Applicant reports · Chase 5/24 drop-off dates · ApplyOrWait planning default
How many of your accounts count toward 5/24?
Enter a month and year, an exact opening date, or choose date unknown. Count-only mode checks the threshold but cannot supply a future drop-off. Store-only accounts have their own classification; changing reporting treatment is a different choice.
Being under 5/24 does not establish approval.
No account numbers, email address or credit-report connection are needed.
How do five personal cards and one Chase business card count?
This hypothetical history produces 5/24 on October 6, 2026. Chase Ink Business Preferred is excluded under its selected nonreporting treatment. The estimated date below five is December 1, 2026 if no further counted accounts open.
| Account | Opening date | Counting treatment | Estimated drop-off |
|---|---|---|---|
| Other personal card | November 6, 2024 | Counted personal-reporting card account. | December 1, 2026 |
| Other personal card | February 6, 2025 | Counted personal-reporting card account. | March 1, 2027 |
| Other personal card | August 6, 2025 | Counted personal-reporting card account. | September 1, 2027 |
| Other personal card | February 6, 2026 | Counted personal-reporting card account. | March 1, 2028 |
| Other personal card | August 6, 2026 | Counted personal-reporting card account. | September 1, 2028 |
| Ink Business Preferred | June 6, 2026 | Excluded: treated as not reporting to personal credit. | Excluded |
Date method: an account opened in month M counts through the end of month M+24 and estimates drop-off on the first day of month M+25. Exact-day and month-only entries use the same conservative month-end boundary. Check your own report’s dates and Chase’s treatment.
How is your next drop-off calculated?
The calculator obtains the count and account boundaries from the shared account-history checks. It rechecks the total at each boundary rather than treating the first drop-off as the first date below five. Several accounts can leave the window together.
Date method: an account opened in month M counts through the end of month M+24 and estimates drop-off on the first day of month M+25. Exact-day and month-only entries use the same conservative month-end boundary. Check your own report’s dates and Chase’s treatment.
An exact opening date and a month-only record in the same month produce the same estimated drop-off. The account remains counted throughout its 24th anniversary month. This planning estimate does not settle the issuer’s own date treatment. Confirm the actual report near a boundary before making an application. Chase 5/24 drop-off dates · ApplyOrWait planning default
Do business cards and authorized-user cards count?
A business label alone does not establish reporting. Select the full product name, then use the reporting override only when the actual credit report supports it. Older Capital One business products can differ from newly named versions.
Reporting authorized-user accounts stay in the default count, but never become the visitor’s own approval events. Closing a recent account does not move its original opening date. Capital One business reporting · Issuer terms · Chase authorized users and closed cards · Applicant reports · Chase business cards and 5/24 · Applicant reports
What if some opening dates are unknown?
An undated reporting account remains in the cautious maximum. The result shows the range between definitely recent accounts and possibly recent accounts. If the missing dates are needed to bring the total below five, the next date remains unresolved.
A typed count carries no account-level dates. It cannot establish which opening leaves first, whether several leave together or whether a business card should have been excluded.
Which date should you take from your credit report?
Use the account’s original opening date, rather than the statement date, activation date or the day a replacement card arrived. A replacement card number does not necessarily mean a new account was opened.
Compare the records on your reports before selecting a reporting override. If a date is shown only as a month, keep that precision rather than supplying a guessed day. An estimated result can change when a corrected report updates the underlying opening history.
How should you classify a store-only account?
Choose store-only only for an account that cannot be used outside that store. A retail-branded general-purpose credit card is a separate category.
This calculator excludes accounts marked store-only as an ApplyOrWait planning default. The displayed evidence does not establish Chase’s treatment of this category. If the exclusion changes whether your count is below five, calculate it with and without the exclusion and verify the account’s treatment before using the result to plan an application.
What should you check after counting?
A lower count does not answer income, debt, existing-product or bonus questions. Compare application timing and inspect the offer you intend to accept.
The counting explanation covers reporting categories. The order examples show how a new personal account can use the remaining slot before Chase is considered.