How to check your 5/24 status: Four ways to check your status for free

Chase typically will not approve you for a new credit card if you’ve opened more than 5 credit card accounts within the last 24 months. This rule is colloquially known as 5/24. If you’re applying for a Chase card and have opened more than a few cards recently, you’ll want to check your 5/24 status before applying.

Here are the easiest ways to check your 5/24 status for free:

• CreditWise from Capital One. Look for new accounts under “Accounts & Balances”
• Credit Karma mobile app. Find a list of open accounts, sorted by account age under “Credit Factors.”
• Credit Karma website. Find a list of open accounts, sorted by account age under “Score Details.”
• Experian mobile app. Open your list of accounts and sort them by “Date Opened.”

More on each of these methods is below…

How to check your 5/24 status

There are several ways to check your 5/24 status. If you already subscribe to a service that allows you to see your entire credit report for free or if you’ve ordered your free credit report from annualcreditreport.com, you can simply count the accounts opened in the last two years.

But you don’t need to pull your entire credit report or subscribe to a paid service to check if you are under 5/24. If you don’t have ready access to a credit report, there are two free services that you can sign up for: CreditWise and Experian.

CreditWise from Capital One: The easiest way to check your 5/24 status

CreditWise from Capital One allows you view your TransUnion credit report and see your Vantage Score credit score for free. The service also offers credit monitoring, dark web alerts, and a credit simulator. All of this is free and you don’t need to be a Capital One cardmember. Even better, it allows you to easily determine your 5/24 status.

Here’s how to check your 5/24 status with CreditWise from Capital One.

• Log in to or sign up for CreditWise and click on “Your TransUnion Credit Report.”
• Under “Accounts & Balances >” click on the icon that shows new accounts. (“5 New” in the graphic to the right.)

The next screen will show you all of your accounts that you have opened in the previous two years. Expanding each account using the arrow on the right will display either your account open date or the age of your account under the account details.

Note that all accounts on your credit report show up with CreditWise. Only credit card accounts count toward 5/24. In the example to the right, one of the accounts is an auto loan, which does not count toward 5/24 status. This person has only opened four new accounts in the previous 24 months.

Credit Karma mobile app: Get your 5/24 status from your list of open accounts.

Within the Credit Karma mobile app, you can quickly determine your 5/24 status by the account list displayed under Credit factors.

Here’s how to do it:

• Within the mobile app, on the For You page, click on the “Credit” panel at the top of the screen.
• Scroll past your score to the “Credit Factors” section.
• Click on “Credit age.”

This will take you to a page that shows all of the accounts reporting to your credit report, ordered by account age. Count up the credit card accounts at the bottom of the list where the age is greater than 2 years to determine whether you are under 5/24.

Credit Karma website: Count your 5/24 accounts from the list of accounts.

You can also use the Credit Karma website to determine your 5/24 status. But the list of your accounts is in a slightly different place. Here’s where to find it:

• Select “Score Details” from the “Credit” drown-down menu at the top of the screen.
• Scroll down to the “Credit Factors” section on the resulting page and click on “Credit age.”

You’ll see a list of all of your accounts reporting to your credit report, ordered by account age, similar to the mobile app. Count up the credit card accounts at the bottom of the list where the age is greater than 2 years to determine whether you are under 5/24.

Experian Mobile App: Get a list of your open accounts, ordered by account open date.

Experian recently made changes to its mobile app, but it is still one of the easiest ways to check your 5/24 status because you can pull up a list of credit card accounts by the date you opened them. Here’s how you can check your 5/24 status using Experian.

Experian will try to up-sell you into premium services. When you log into Experian’s website or mobile app, you’re likely going to see some sort of offer to “upgrade” your account. You do not need to pay to use the Experian mobile app, view your FICO score or see your Experian credit report.

• Click on “Credit” to navigate to the app’s credit page.
• Click on “View Report” under quick actions.
• On the Credit Reports page, click on “Accounts >”
• On the Accounts page, select “Date Opened (New to Old)” from the Views menu at the top.

You’ll then see a list of all of the accounts reporting to your credit report, ordered by the date you opened the account. Simply count the credit card accounts that you’ve opened in the last two years to determine your 5/24 status.

What accounts count toward 5/24?

Any credit card account that is reporting to your personal credit report will count toward your 5/24 account count.

• Closed credit card accounts count. Even if you’ve closed an account, if you opened the account within the past 2 years, it will count toward your 5/24 status.
• Most business credit card accounts do not count. Many issuers do not report small business credit cards to your personal credit report. If they don’t show up on your personal credit report, they don’t count toward 5/24.
• Non credit-card accounts don’t count. All of the above methods of counting your 5/24 account status will show auto loans, mortgages, and other accounts on your credit report. Be sure to exclude these when tallying your 5/24 account count.
• Authorized user cards count… kind of. Cards on which you are an authorized user that report to your credit report count be default, but you can often get Chase to disregard these types of account if you speak to a representative for a reconsideration after being declined for a new account.

What is 5/24?

5/24 is a informal name for an unpublished rule that applies to applications for Chase credit cards. Chase will generally not approve you for a credit card if you’ve opened five or more credit cards within the past 24 months, though this appears to have softened in the last several months.

• If you are “over 5/24,” that means you’ve opened more than five accounts in the previous 24 months. You will usually be denied if you apply for a Chase credit card.
• If you are “under 5/24,” you won’t automatically be denied for a Chase credit card for having too many new accounts. But this doesn’t guarantee that you’ll be approved.

You can learn more about 5/24 in our overview of the 5/24 rule.

Why should you care about 5/24?

If you apply for Chase credit cards and open credit cards with some frequency, either to get a welcome bonus or to amass a collection of valuable benefits, you’ll want to be aware of your 5/24 status. Knowing if you’ll meet Chase’s 5/24 rule will help you make better decisions about applying for a credit card.

If you’re under 5/24 and have your eye on a few Chase credit cards, it’s probably best to prioritize your Chase applications and apply for other cards when you’re under 5/24.

If you’re over 5/24 and want a Chase credit card, it might be a good idea to prioritize business credit cards that don’t count toward your 5/24 status.

Frequently asked questions