Chase 5/24: should you apply now or wait?
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Rule guidance verified 2026-10-06. Chase does not publish 5/24. Applicants report that Chase usually turns down people who opened five or more personal cards, from any bank, in the past 24 months.
What 5/24 means
Community reports describe restrictions for many Chase cards when an applicant has opened five or more personal credit-card accounts, across issuers, in the preceding 24 months. Staying under five does not guarantee approval, and some cards have their own limits.
Which accounts count?
Start with account-open dates on your credit reports rather than the date you last used a card. Closed personal accounts can still fall within the window. Business-account reporting differs by issuer and product; a business card's treatment in the count is separate from its application eligibility. Authorized-user accounts can appear in the report and may need an issuer review.
When does an account leave the window?
The answer depends on the recorded opening date and how the issuer evaluates the boundary. When you know only the opening month, plan conservatively rather than assuming the first day of the 24th month makes you eligible. Confirm the underlying dates before applying.
The checker uses the history you provide to identify relevant waiting dates where possible. Missing or coarse dates can leave the exact answer uncertain.
Sources and next steps
For background reports and exceptions, see the detailed 5/24 source guide. Use the issuer's current product terms for published eligibility and bonus restrictions. Our methodology explains the difference.