How to Check Your Chase 5/24 Status?
Chase has a 5/24 rule which means that you can’t be approved for most Chase cards if you have opened five or more credit cards (from any card issuer) within the past 24 months. So you should always know your status before submitting an application.
To see if you are under 5/24, you just need to count how many new cards you have within the last 24 months. This includes the cards that are currently active, as well as those that you have closed. So if you opened a card 20 months ago and then closed it 2 months ago, it still counts towards 5/24.
If you keep good records with all application dates, then you probably don’t need any tips. But for most people out there there are two options to use for the Chase 5/24 count. One is the Experian app, and the other is Credit Karma. Check out the step below and see how to get your Chase 5/24 status.
Check Chase 5/24 Status with Experian App
The easiest method is probably the Experian app which is available for Android and iOS devices. Check out the steps below and see how it works.
To start, just search for Experian in the Google Play Store or App Store and download the app.
Create a new account, enter all information, verify your identity, and set a security questions and PIN.
Once it’s all done you’ll get a notification “Registration Complete”. Click “Continue”.
Open the App and select “Reports” in the bottom menu.
Tap the “Accounts” box.
Tap the “View” filter in the lower right corner (for Android, for iPhones it might be in a different location) and sort by “Date Opened (New to Old)”.
Then just scroll down and count how many new credit cards you have in the last 24 months. If you count 5 or more, then you are over 5/24. If you’re doing this now (December 2022) for example, then you should count all accounts with “Date Opened” in December 2020 or later.
Check Chase 5/24 Status with Credit Karma
The second option is Credit Karma. This is not as easy as using the Experian app. Check out the steps below and see how it works.
Sign up for Credit Karma if you don’t have an account. Enter you email, which will be your login, plus password and then some other personal information. Once you create your account and sign in, you should see your scores from Transunion and Equifax.
Click one of the scores. Then scroll down an click on the box that says “Credit age”.
You should end up at this page, and if you scroll down you will see a list of all your credit cards, with the newest ones at the bottom. Count the cards that were opened within the last two years. In the example below there are only three cards that were opened within the last 24 months, which would mean that you are under 5/24.
But there’s more. The list above only counts the cards that you have are currently active. Now you need to check for any closed accounts that were opened within the last 24 months. To do that, make sure you are logged in, and go to this page. This will show you a list of all closed accounts.
This list doesn’t show you when you opened these accounts. So if you see an account that was closed within the last two years, click on it and see the opening date.
This card above for example will NOT count toward your Chase 5/24 status. I opened it more than 24 months ago. If you see any cards that were opened within 24 months, that you need to take those into account.
Authorized User Accounts
Authorized user accounts will count towards your 5/24 status when you apply for a new Chase credit card. However, Chase can still approve you if you’re at 5/24, if one of those accounts is an Authorized user account. You can call the Chase reconsideration line after applying and explain the situation. They can approve you if one of the 5 cards is an authorized user account.
To see if any of your new accounts is an authorized user account, just click on any account (opened, or closed) in the Credit Karma website. If you are the primary cardholder on the account, the Responsibility row will show “Individual”.
If you are an Authorized User on the account, the Responsibility will show “Authorized User”.
Guru’s Wrap-up
If you chase credit card bonuses, then being organized and keeping good records is a must. If you already have immaculate records, then you should already know your Chase 5/24 status. But if you need some extra help or just reassurance, then hopefully these tips will help you.
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