5/24 is the policy that Chase would deny you a card if you had opened up 5 or more accounts in the preceding 24 months. However, since the pandemic, it seems Chase has also applied this policy to CLIs. We shall see if it continues, but this is just a general post to advise people of the normal policy.
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Chase Bank 5/24 Rule / Policy / App / CLI

1 of 13
3 years ago
Tue Jun 08, 2021 4:21 am
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Birdman
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Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 8 days, 6 hours, and 9 minutes Next Level in21 days, 17 hours, and 51 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 8 days, 6 hours, and 9 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 8 days, 6 hours, and 9 minutes ago
5/24 is the policy that Chase would deny you a card if you had opened up 5 or more accounts in the preceding 24 months.

However, since the pandemic, it seems Chase has also applied this policy to CLIs.

We shall see if it continues, but this is just a general post to advise people of the normal policy.
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Re: 5/24 Policy

2 of 13
3 years ago
Thu Jul 22, 2021 10:47 am
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aj2121
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Level28 Last INQSaturday, April 23, 2022 Gardening For2 years, 4 months, 18 days, 6 hours, and 9 minutes Next Level in12 days, 17 hours, and 51 minutes on September 23rd INQ 1yr onSunday, April 23, 2023 INQ 1yr reached1 year, 4 months, 18 days, 6 hours, and 9 minutes ago INQ 2yr onTuesday, April 23, 2024 INQ 2yr reached4 months, 18 days, 6 hours, and 9 minutes ago
Only revolving accounts are included in 5/24, correct?
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Re: 5/24 Policy

3 of 13
3 years ago
Thu Jul 22, 2021 4:16 pm
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Saeren
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Level0 Last INQFriday, August 23, 2024 Gardening For18 days, 6 hours, and 9 minutes Next Level in12 days, 17 hours, and 51 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 12 days, 17 hours, and 51 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 12 days, 17 hours, and 51 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 12 days, 17 hours, and 51 minutes
aj2121 wrote: ↑Thu Jul 22, 2021 10:47 am Only revolving accounts are included in 5/24, correct?
Correct.
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Re: 5/24 Policy

4 of 13
2 years ago
Tue May 10, 2022 9:06 pm
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beets18
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beets18 has passed the 24 month threshold and is completely inquiry free!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 9 days, 6 hours, and 9 minutes Next Level in20 days, 17 hours, and 51 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 9 days, 6 hours, and 9 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached9 days, 6 hours, and 9 minutes ago
I can’t recall if I’ve seen a DP about this, but does a CLOC count towards 5/24? It’s reported as a Revolver, but as a Line of Credit and not credit card on my report.

Also I could have sworn I saw a DP about bypassing 5/24 if you’ve never had a chase card, but I cannot find any reference to this.

I’m considering applying for the CSP, and I wanted to be sure of my 5/24 status.
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Re: 5/24 Policy

5 of 13
2 years ago
Tue May 10, 2022 9:49 pm
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Saeren
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Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For18 days, 6 hours, and 9 minutes Next Level in12 days, 17 hours, and 51 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 12 days, 17 hours, and 51 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 12 days, 17 hours, and 51 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 12 days, 17 hours, and 51 minutes
I have heard some say that Chase included it in a manual review but not when doing an automated approval. I have heard others say it wasn't counted at all. It kind of sounds like it's one of those things that they may take into account if you're otherwise borderline for approval.
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Re: 5/24 Policy

6 of 13
2 years ago
Tue May 10, 2022 10:14 pm
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beets18
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beets18 has passed the 24 month threshold and is completely inquiry free!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 9 days, 6 hours, and 9 minutes Next Level in20 days, 17 hours, and 51 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 9 days, 6 hours, and 9 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached9 days, 6 hours, and 9 minutes ago
Saeren wrote: ↑Tue May 10, 2022 9:49 pm I have heard some say that Chase included it in a manual review but not when doing an automated approval. I have heard others say it wasn't counted at all. It kind of sounds like it's one of those things that they may take into account if you're otherwise borderline for approval.
Thanks for the info. I’m at 4 bank cards and 1 LOC, but one of those bank cards (Paceline) I opened back in March has not reported. I was just wondering how quickly I might have to move on the CSP in branch offer before that Paceline card maybe reports. I’ll report back if there’s any interesting DPs.
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Re: 5/24 Policy

7 of 13
2 years ago
Tue May 10, 2022 11:00 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 18 days, 6 hours, and 9 minutes Next Level in12 days, 17 hours, and 51 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 18 days, 6 hours, and 9 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 18 days, 6 hours, and 9 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 18 days, 6 hours, and 9 minutes ago
What's the current CSP in branch offer that you're considering?
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Re: 5/24 Policy

8 of 13
2 years ago
Tue May 10, 2022 11:12 pm
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beets18
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beets18 has passed the 24 month threshold and is completely inquiry free!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 9 days, 6 hours, and 9 minutes Next Level in20 days, 17 hours, and 51 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 9 days, 6 hours, and 9 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached9 days, 6 hours, and 9 minutes ago
BrutalBodyShots wrote: ↑Tue May 10, 2022 11:00 pm What's the current CSP in branch offer that you're considering?
There are some reports of 80k + waived AF in some branches. I would have to try my luck though as it seems it won’t be a guaranteed offer. https://www.doctorofcredit.com/targeted ... ail-offer/
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Re: 5/24 Policy

9 of 13
2 years ago
Thu May 19, 2022 1:50 pm
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beets18
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beets18 has passed the 24 month threshold and is completely inquiry free!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 9 days, 6 hours, and 9 minutes Next Level in20 days, 17 hours, and 51 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 9 days, 6 hours, and 9 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached9 days, 6 hours, and 9 minutes ago
beets18 wrote: ↑Tue May 10, 2022 11:12 pm
BrutalBodyShots wrote: ↑Tue May 10, 2022 11:00 pm What's the current CSP in branch offer that you're considering?
There are some reports of 80k + waived AF in some branches. I would have to try my luck though as it seems it won’t be a guaranteed offer. https://www.doctorofcredit.com/targeted ... ail-offer/
As an update, I was approved this morning for the CSP 80k + waived first year AF in branch. $18,000 SL. I don't have any 5/24 DPs since I was at 4/24 including the CLOC from Affinity.
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Re: Chase Bank 5/24 Rule / Policy / App / CLI

10 of 13
2 years ago
Thu May 19, 2022 8:08 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 18 days, 6 hours, and 9 minutes Next Level in12 days, 17 hours, and 51 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 18 days, 6 hours, and 9 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 18 days, 6 hours, and 9 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 18 days, 6 hours, and 9 minutes ago
Sweet approval, SL and SUB/no AF deal! Well executed. :clap:
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Re: 5/24 Policy

11 of 13
2 years ago
Fri May 20, 2022 10:07 am
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SoonerSoldier33
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Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 14 days, 6 hours, and 9 minutes Next Level in16 days, 17 hours, and 51 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 16 days, 17 hours, and 51 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 16 days, 17 hours, and 51 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 16 days, 17 hours, and 51 minutes
beets18 wrote: ↑Thu May 19, 2022 1:50 pm
beets18 wrote: ↑Tue May 10, 2022 11:12 pm
BrutalBodyShots wrote: ↑Tue May 10, 2022 11:00 pm What's the current CSP in branch offer that you're considering?
There are some reports of 80k + waived AF in some branches. I would have to try my luck though as it seems it won’t be a guaranteed offer. https://www.doctorofcredit.com/targeted ... ail-offer/
As an update, I was approved this morning for the CSP 80k + waived first year AF in branch. $18,000 SL. I don't have any 5/24 DPs since I was at 4/24 including the CLOC from Affinity.
Nice! I'm so ready to be off Chase's naughty list. Lol. Congrats on your approval!
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Re: Chase Bank 5/24 Rule / Policy / App / CLI

12 of 13
2 years ago
Fri May 20, 2022 10:57 am
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beets18
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beets18 has passed the 24 month threshold and is completely inquiry free!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 9 days, 6 hours, and 9 minutes Next Level in20 days, 17 hours, and 51 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 9 days, 6 hours, and 9 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached9 days, 6 hours, and 9 minutes ago
Thanks @SoonerSoldier33 & @BrutalBodyShots. I originally hadn't planned to get into the Chase line of cards, but an $800 SUB is hard to beat!
beets18
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Re: Chase Bank 5/24 Rule / Policy / App / CLI

13 of 13
2 years ago
Tue May 31, 2022 3:52 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 8 days, 6 hours, and 9 minutes Next Level in21 days, 17 hours, and 51 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 8 days, 6 hours, and 9 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 8 days, 6 hours, and 9 minutes ago
@beets18 congratulations! Nicely done nice limit!
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