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Should I apply now, or wait?

Enter cards opened in the last 24 months and choose an optional target card or issuer. See current application waiting periods, with reasons and dates.

No email · No credit pull · Rule guidance verified 2026-10-06 · How we rank

Cards opened in the last 24 months

Include closed accounts and cards on which you’re an authorized user. You can also add older cards relevant to a target card’s rules. If you have no cards, leave this list empty.

    Opening month and year

    Choose both month and year, for example March 2025. Future months cannot be used.

    Repayment comes first

    Both answers are required. Carrying a balance leads to a pay-down-first plan.

    Do you carry a card balance that accrues interest? (required)
    Can you pay new purchases in full each month? (required)

    This checks personal-card application timing, not approval or welcome-bonus entitlement. It uses the monthly budget shown above. Score and travel preferences do not change issuer waiting periods.

    Use saved cards or add more history (optional)

    History and offer checks

    Include older closed products and product changes in your account list. Applications and actual bonus receipts are separate events. The plan uses the cards and history you enter as your best knowledge. You can add details here without completing attestations.

      Inquiries, business and deposits

      A deposit is separate from your purchase budget. It does not guarantee approval.

      These amounts are subsets of your comfortable budget; they do not add spending capacity.

      Add a relevant inquiry
      Confirm an individual offer (optional)

      Use only the offer and eligibility message the issuer showed you. These checks are your inputs; they are not independent verification by this site.

      Common questions

      What is Chase 5/24?

      It is an observed restriction affecting many Chase applications when an applicant has opened five or more personal credit-card accounts in the preceding 24 months. It is not a promise of approval below that count.

      Do business cards count?

      Business-account reporting differs by issuer and product. Confirm whether the specific account appears on your personal credit report; eligibility to apply for a business card is a separate question.

      Do authorized-user accounts count?

      They can appear on your personal credit report. Count them conservatively; the issuer may need to review their treatment.

      When does an account drop off?

      With only an opening month, the checker uses the latest possible opening day for its conservative 24-month estimate. The result preserves that date. Confirm the actual date and current issuer behavior.

      Does this check pull my credit?

      No. It uses only the history you enter. It does not see your credit report or establish issuer approval.