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.
Level27 Last INQWednesday, March 2, 2022 Gardening For2 years, 3 months, 17 days, 8 hours, and 49 minutes Next Level in12 days, 15 hours, and 11 minutes on July 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 3 months, 17 days, 8 hours, and 49 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached3 months, 17 days, 8 hours, and 49 minutes ago
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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.
Birdman
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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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aj2121 has been gardening for over 2 years.
Level25 Last INQSaturday, April 23, 2022 Gardening For2 years, 1 month, 27 days, 8 hours, and 49 minutes Next Level in3 days, 15 hours, and 11 minutes on June 23rd INQ 1yr onSunday, April 23, 2023 INQ 1yr reached1 year, 1 month, 27 days, 8 hours, and 49 minutes ago INQ 2yr onTuesday, April 23, 2024 INQ 2yr reached1 month, 27 days, 8 hours, and 49 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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Level1 Last INQFriday, May 3, 2024 Gardening For1 month, 16 days, 8 hours, and 49 minutes Next Level in13 days, 15 hours, and 11 minutes on July 3rd INQ 1yr onSaturday, May 3, 2025 INQ 1yr in10 months, 13 days, 15 hours, and 11 minutes INQ 2yr onSunday, May 3, 2026 INQ 2yr in1 year, 10 months, 13 days, 15 hours, and 11 minutes Goal6 months Goal DateSunday, November 3, 2024 Goal In4 months, 14 days, 15 hours, and 11 minutes
aj2121 wrote: Thu Jul 22, 2021 10:47 am Only revolving accounts are included in 5/24, correct?
Correct.
Saeren
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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 12 month threshold!
No scorable inquiries on file!
Level21 Last INQThursday, September 1, 2022 Gardening For1 year, 9 months, 18 days, 8 hours, and 49 minutes Next Level in11 days, 15 hours, and 11 minutes on July 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached9 months, 18 days, 8 hours, and 49 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr in2 months, 12 days, 15 hours, and 11 minutes
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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
Rebel Administrator
Level1 Last INQFriday, May 3, 2024 Gardening For1 month, 16 days, 8 hours, and 49 minutes Next Level in13 days, 15 hours, and 11 minutes on July 3rd INQ 1yr onSaturday, May 3, 2025 INQ 1yr in10 months, 13 days, 15 hours, and 11 minutes INQ 2yr onSunday, May 3, 2026 INQ 2yr in1 year, 10 months, 13 days, 15 hours, and 11 minutes Goal6 months Goal DateSunday, November 3, 2024 Goal In4 months, 14 days, 15 hours, and 11 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.
Saeren
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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
Seasoned Rebel
beets18 has passed the 12 month threshold!
No scorable inquiries on file!
Level21 Last INQThursday, September 1, 2022 Gardening For1 year, 9 months, 18 days, 8 hours, and 49 minutes Next Level in11 days, 15 hours, and 11 minutes on July 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached9 months, 18 days, 8 hours, and 49 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr in2 months, 12 days, 15 hours, and 11 minutes
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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.
beets18
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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 passed the 24 month threshold and is completely inquiry free!
BrutalBodyShots has achieved the Garden Goal !!
Level24 Last INQMonday, May 23, 2022 Gardening For2 years, 27 days, 8 hours, and 49 minutes Next Level in3 days, 15 hours, and 11 minutes on June 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 27 days, 8 hours, and 49 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached27 days, 8 hours, and 49 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved27 days, 8 hours, and 49 minutes ago
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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 12 month threshold!
No scorable inquiries on file!
Level21 Last INQThursday, September 1, 2022 Gardening For1 year, 9 months, 18 days, 8 hours, and 49 minutes Next Level in11 days, 15 hours, and 11 minutes on July 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached9 months, 18 days, 8 hours, and 49 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr in2 months, 12 days, 15 hours, and 11 minutes
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/
beets18
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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 12 month threshold!
No scorable inquiries on file!
Level21 Last INQThursday, September 1, 2022 Gardening For1 year, 9 months, 18 days, 8 hours, and 49 minutes Next Level in11 days, 15 hours, and 11 minutes on July 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached9 months, 18 days, 8 hours, and 49 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr in2 months, 12 days, 15 hours, and 11 minutes
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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.
beets18
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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 passed the 24 month threshold and is completely inquiry free!
BrutalBodyShots has achieved the Garden Goal !!
Level24 Last INQMonday, May 23, 2022 Gardening For2 years, 27 days, 8 hours, and 49 minutes Next Level in3 days, 15 hours, and 11 minutes on June 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 27 days, 8 hours, and 49 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached27 days, 8 hours, and 49 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved27 days, 8 hours, and 49 minutes ago
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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
Seasoned RebelTeam Cash Back
Level6 Last INQMonday, November 27, 2023 Gardening For6 months, 23 days, 8 hours, and 49 minutes Next Level in7 days, 15 hours, and 11 minutes on June 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in5 months, 7 days, 15 hours, and 11 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 5 months, 7 days, 15 hours, and 11 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 5 months, 7 days, 15 hours, and 11 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!
SoonerSoldier33
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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 12 month threshold!
No scorable inquiries on file!
Level21 Last INQThursday, September 1, 2022 Gardening For1 year, 9 months, 18 days, 8 hours, and 49 minutes Next Level in11 days, 15 hours, and 11 minutes on July 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached9 months, 18 days, 8 hours, and 49 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr in2 months, 12 days, 15 hours, and 11 minutes
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.
Level27 Last INQWednesday, March 2, 2022 Gardening For2 years, 3 months, 17 days, 8 hours, and 49 minutes Next Level in12 days, 15 hours, and 11 minutes on July 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 3 months, 17 days, 8 hours, and 49 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached3 months, 17 days, 8 hours, and 49 minutes ago
@beets18 congratulations! Nicely done nice limit!
Birdman
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