{"id":23559,"date":"2026-02-04T12:10:01","date_gmt":"2026-02-04T12:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=23559"},"modified":"2026-04-08T14:33:20","modified_gmt":"2026-04-08T14:33:20","slug":"how-to-check-5-24-status","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/how-to-check-5-24-status\/","title":{"rendered":"Easy Ways to Check Your Chase 5\/24 Status for Free"},"content":{"rendered":"<p>If you\u2019ve ever had a Chase credit card application denied despite strong credit, there\u2019s a good chance Chase\u2019s 5\/24 rule was the reason. The &#8220;Chase 5\/24 rule&#8221; is one of the most infamous <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">card application restrictions<\/a>. Planning around it is key to <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-rewards-cards\/\" rel=\"noopener\">earning Ultimate Rewards points<\/a>.<\/p>\n<p>The rule is based on what appears on your credit report (not just Chase cards), so it\u2019s easy to lose track of where you stand \u2014 especially if you\u2019ve opened cards across multiple issuers or added authorized user accounts. That\u2019s why one of the most common questions we hear is: <em>How do I check my Chase 5\/24 status?<\/em><\/p>\n<p>The good news is that you don\u2019t need paid tools or complicated spreadsheets to find out. Below, we\u2019ll walk through the easiest free ways to check your 5\/24 count \u2014 and what to watch for so you don\u2019t miscalculate it.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#A_Quick_Recap_of_Chase8217s_524_Policy\">A Quick Recap of Chase's 5\/24 Policy<\/a><\/li><li><a href=\"#The_Simplest_Way_to_Check_Your_Chase_524_Status\">The Simplest Way to Check Your Chase 5\/24 Status<\/a><ul><li><a href=\"#Capital_One_CreditWise\">Capital One CreditWise<\/a><\/li><li><a href=\"#Intuit_Credit_Karma\">Intuit Credit Karma<\/a><\/li><\/ul><\/li><li><a href=\"#Other_Free_Ways_to_Check_Your_Chase_524_Status\">Other Free Ways to Check Your Chase 5\/24 Status<\/a><ul><li><a href=\"#Get_your_free_credit_report\">Get your free credit report<\/a><\/li><li><a href=\"#Track_your_count_in_a_spreadsheet\">Track your count in a spreadsheet<\/a><\/li><li><a href=\"#Determine_which_accounts_are_authorized_user_accounts\">Determine which accounts are authorized user accounts<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"A_Quick_Recap_of_Chase8217s_524_Policy\">A Quick Recap of Chase's 5\/24 Policy<\/span><\/h2>\n<p>Under <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">Chase's 5\/24 policy<\/a>, most applicants will be denied for a new card if they\u2019ve opened five or more new credit card accounts in the last 24 months. This count is based on what Chase sees on your credit report.<\/p>\n<p>Chase applies this restriction to nearly all of its credit cards, including Sapphire, Ink, and Freedom cards, as well as many airline, hotel, and business cards.<\/p>\n<p>Here are the main takeaways from this rule:<\/p>\n<ul>\n<li><strong>All personal credit cards opened in the past 24 months (from any issuer) count toward your 5\/24 status.<\/strong> For example, if you\u2019ve opened one card each with American Express, Bank of America, and Barclays, you\u2019d be at 3\/24 even though none are Chase cards.<\/li>\n<li><strong>In most cases, Chase business cards don\u2019t count toward your 5\/24 total.<\/strong> However, though, you still need to be under 5\/24 to apply.<\/li>\n<li><strong>Some business cards do count towards your tally.<\/strong> These include those from Discover, TD Bank, and most Capital One business cards, since these issuers often report small business accounts to your personal credit report.<\/li>\n<li><strong>Closing a card doesn\u2019t remove it from your count.<\/strong> Chase\u2019s policy is based on when you opened the account, not whether it\u2019s still active.<\/li>\n<li><strong>Authorized user accounts may be included in Chase\u2019s calculation.<\/strong> If that pushes you over 5\/24, a reconsideration call can sometimes help clarify that you\u2019re not the primary account holder.<\/li>\n<li><strong>Other types of loans<\/strong> (like auto loans, personal loans, mortgages, or student loans) do not count toward your 5\/24 status.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-credit-card-strategy\/\" rel=\"noopener\">Why Starting With Chase Cards Matters if You\u2019re Under 5\/24<\/a><br \/>\n<\/strong><\/p>\n<h2><span id=\"The_Simplest_Way_to_Check_Your_Chase_524_Status\">The Simplest Way to Check Your Chase 5\/24 Status<\/span><\/h2>\n<p>The good news is that you have several free ways to check your 5\/24 status, including using apps like Credit Karma or simply counting new accounts on your credit report.<\/p>\n<p><em>Note that Experian is no longer helpful in calculating 5\/24. It was once an excellent option for tracking your 5\/24 status, but changes to its website and app have made it much less useful for this purpose.<\/em><\/p>\n<p>Let\u2019s take a look at a few tools that are still great options for checking your 5\/24 status.<\/p>\n<h3><span id=\"Capital_One_CreditWise\"><strong>Capital One CreditWise<\/strong><\/span><\/h3>\n<p>Probably the simplest option on this list is <a target=\"_blank\" href=\"https:\/\/www.capitalone.com\/creditwise\/\" rel=\"noopener\">Capital One\u2019s CreditWise<\/a>. Just log in to your Capital One account and scroll down until you see the CreditWise tile. Click it and activate the service if you haven\u2019t already. It\u2019s free, so there\u2019s no cost to worry about.<\/p>\n<figure id=\"attachment_246233\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/262\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-246233 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.06.33-AM.png\" alt=\"capital one credit wise\" width=\"750\" height=\"262\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.06.33-AM.png 1668w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.06.33-AM-750x262.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.06.33-AM-900x314.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.06.33-AM-768x268.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.06.33-AM-1536x536.png 1536w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Capital One<\/em><\/enter><\/figure>\n<p>Once inside CreditWise, look for the section labeled \u201cYour TransUnion Credit Report\u201d and click it.<\/p>\n<figure id=\"attachment_246236\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/176\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-246236 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.08.16-AM.png\" alt=\"CreditWise Transunion\" width=\"750\" height=\"176\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.08.16-AM.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.08.16-AM-750x176.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.08.16-AM-900x211.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.08.16-AM-768x180.png 768w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Capital One<\/em><\/enter><\/figure>\n<p>From there, scroll to Accounts & Balances, where you\u2019ll see a category for \u201cNew\u201d credit lines. Click that to view all accounts opened recently. Note that the page reportedly shows &#8220;Accounts that have been opened within the past 12 months.&#8221; However, I'm also seeing cards opened between 12 and 24 months ago &#8212; so check carefully.<\/p>\n<p>Regardless, you can see that I\u2019m above 5\/24 right now:<\/p>\n<figure id=\"attachment_246237\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/179\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-246237 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.09.12-AM.png\" alt=\"Capital One transunion\" width=\"750\" height=\"179\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.09.12-AM.png 1640w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.09.12-AM-750x179.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.09.12-AM-900x215.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.09.12-AM-768x184.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-11.09.12-AM-1536x367.png 1536w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Capital One<\/em><\/enter><\/figure>\n<p>Overall, this was the easiest method I found for quickly checking your 5\/24 status. However, if you want more detailed account information or additional credit report features, other tools may be a better fit.<\/p>\n<p><strong>Related:<\/strong> <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/free-credit-score-check\/\" rel=\"noopener\">Ways To Check Your Credit Score for Free<\/a><\/p>\n<h3><span id=\"Intuit_Credit_Karma\">Intuit Credit Karma<\/span><\/h3>\n<p>Another free option for checking your 5\/24 status is Credit Karma, which provides access to both your TransUnion and Equifax credit reports.<\/p>\n<p>To get started, create an account on Credit Karma\u2019s site and enter the requested information. Once it pulls your credit profile, select either TransUnion or Equifax from the Dashboard. Then, scroll down to the Credit Health section, find \u201cCredit age,\u201d and click it.<\/p>\n<figure id=\"attachment_246221\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/478\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-246221 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.34.21-AM.png\" alt=\"credit health credit karma\" width=\"750\" height=\"478\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.34.21-AM.png 1206w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.34.21-AM-750x478.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.34.21-AM-900x573.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.34.21-AM-768x489.png 768w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Credit Karma<\/em><\/enter><\/figure>\n<p>On the next page, scroll down to the \u201cCredit cards\u201d section. Your accounts will be listed from oldest to newest.<\/p>\n<figure id=\"attachment_165571\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/655\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-165571 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/Credit-Karma-accounts-age.png\" alt=\"Credit Karma accounts age\" width=\"750\" height=\"655\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/Credit-Karma-accounts-age.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/Credit-Karma-accounts-age-300x262.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Credit Karma<\/em><\/enter><\/figure>\n<p>From there, scroll to the newest accounts and note any cards opened within the last two years.<\/p>\n<p>Unfortunately, this list only shows your open accounts. Chase also considers closed accounts when calculating your 5\/24 status, so you\u2019ll need to review those as well. To do that, find the \u201cView Another Credit Factor\u201d section and click \u201cTotal Accounts.\u201d<\/p>\n<figure id=\"attachment_246222\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/704\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-246222 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.38.05-AM.png\" alt=\"credit karma view total accounts\" width=\"750\" height=\"704\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.38.05-AM.png 1206w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.38.05-AM-750x704.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.38.05-AM-900x845.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.38.05-AM-768x721.png 768w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Credit Karma<\/em><\/enter><\/figure>\n<p>Next, scroll down and select \u201cView all accounts.\u201d<\/p>\n<figure id=\"attachment_246223\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/482\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-246223 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.38.48-AM.png\" alt=\"View all accounts credit karma\" width=\"750\" height=\"482\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.38.48-AM.png 1096w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.38.48-AM-750x482.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.38.48-AM-900x578.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.38.48-AM-768x493.png 768w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Credit Karma<\/em><\/enter><\/figure>\n<p>From there, click \u201cShow XX closed accounts\u201d to display your closed accounts.<\/p>\n<figure id=\"attachment_246224\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/482\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-246224 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.39.39-AM.png\" alt=\"View Closed accounts credit karma\" width=\"750\" height=\"482\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.39.39-AM.png 1096w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.39.39-AM-750x482.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.39.39-AM-900x578.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.39.39-AM-768x493.png 768w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Credit Karma<\/em><\/enter><\/figure>\n<p>These accounts aren\u2019t sorted by opening date, which is what you really need. Instead, you\u2019ll see the issuer name and the closing date. Cards closed more than 24 months ago can be ignored. For any card closed within the last two years, click the account name to view the opening date.<\/p>\n<figure id=\"attachment_246225\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/526\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-246225 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.42.12-AM.png\" alt=\"credit karma closed account\" width=\"750\" height=\"526\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.42.12-AM.png 1516w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.42.12-AM-750x526.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.42.12-AM-900x632.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.42.12-AM-768x539.png 768w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Credit Karma<\/em><\/enter><\/figure>\n<p>Once you add the relevant closed accounts to your open accounts list, you\u2019ll have the total number of cards you\u2019ve opened in the past 24 months, which is your Chase 5\/24 number.<\/p>\n<h2><span id=\"Other_Free_Ways_to_Check_Your_Chase_524_Status\">Other Free Ways to Check Your Chase 5\/24 Status<\/span><\/h2>\n<p>There are other ways to check how many new cards you\u2019ve opened, though they do require a bit more legwork.<\/p>\n<p>For example, if you enter your credit card history into Travel Freely, the tool will display your 5\/24 status every time you log in. It also shows when each card will fall off your 5\/24 count, which can be helpful for planning future applications.<\/p>\n<figure id=\"attachment_246228\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"900\/144\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-246228 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.59.57-AM.png\" alt=\"Travel Freely 5\/24 tracking\" width=\"900\" height=\"144\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.59.57-AM.png 2022w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.59.57-AM-750x120.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.59.57-AM-900x144.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.59.57-AM-768x123.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-02-at-10.59.57-AM-1536x246.png 1536w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><center><em>Credit: Travel Freely<\/em><\/enter><\/figure>\n<p>That said, it can take some time to add all of your accounts, especially if you\u2019ve opened a lot of credit cards over the years.<\/p>\n<p>For older accounts, you don\u2019t necessarily need to include details like the bonus you earned or whether you product-changed the card. The most important information is simply the card name and the opening date. You can usually find that date on your credit report or by contacting the card issuer directly.<\/p>\n<p>The good news is that once everything is entered, Travel Freely is easy to maintain. Adding a new card takes just a minute, and updating a card you\u2019ve closed or changed is straightforward. Plus, your 5\/24 status will always be visible whenever you log in.<\/p>\n<h3><span id=\"Get_your_free_credit_report\">Get your free credit report<\/span><\/h3>\n<p>You can also get a free copy of your credit report at <a target=\"_blank\" href=\"http:\/\/www.annualcreditreport.com\/\" rel=\"noopener\">AnnualCreditReport.com<\/a>. As the name implies, the site originally provided just one free report per year, and you typically had to pay to access your full report again.<\/p>\n<p>However, since 2023, AnnualCreditReport.com has offered weekly access to your credit report at no cost.<\/p>\n<p>The report includes all the information you need to determine your 5\/24 status, but it won\u2019t automatically sort accounts by opening date, so you\u2019ll need to review the list manually.<\/p>\n<h3><span id=\"Track_your_count_in_a_spreadsheet\">Track your count in a spreadsheet<\/span><\/h3>\n<p>If you\u2019d rather track your 5\/24 status yourself, you can create a simple spreadsheet with the opening dates of your credit cards. For the best accuracy, it\u2019s a good idea to confirm both opening and closing dates on your credit report.<\/p>\n<h3><span id=\"Determine_which_accounts_are_authorized_user_accounts\">Determine which accounts are authorized user accounts<\/span><\/h3>\n<p>Regardless of the method you use to check your credit report, you can identify authorized user accounts in the account details. Look for language like \u201cResponsibility: Authorized User\u201d when reviewing a credit line.<\/p>\n<p><img data-aspectratio=\"750\/490\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"aligncenter wp-image-107488 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/credit-karma-authorized-user.png\" alt=\"red bar indicates that this is an authorized user account, which shouldn't count toward your Chase 5\/24 status; you can check this information for free in your credit report or on numerous sites\" width=\"750\" height=\"490\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/credit-karma-authorized-user.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/credit-karma-authorized-user-300x196.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>If you\u2019re the primary cardholder, that same field will typically show \u201cIndividual.\u201d<\/p>\n<p>When counting accounts opened within the last two years, make note of which ones are authorized user accounts. These accounts usually don\u2019t count toward your 5\/24 status, but it\u2019s still helpful to know how many you have in case you need to clarify this during a reconsideration call.<\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Because of Chase\u2019s inflexible application rules, we recommend <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-rewards-card-combo\/\" rel=\"noopener\">building your portfolio of Ultimate Rewards-earning cards<\/a> before branching out into other rewards currencies. If you focus on other issuers first and end up over 5\/24, getting back under the limit can take time. And it\u2019s never fun missing out on <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-offers\/\" rel=\"noopener\">Chase\u2019s lucrative welcome offers<\/a>.<\/p>\n<p><em>Do you know other free, simple methods to check your 5\/24 status? L<\/em><em>et us know in the comments below.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chase\u2019s 5\/24 rule is one of the strictest and most well-known credit card application restrictions. However, Chase doesn\u2019t officially publish the rule or tell you what your current 5\/24 status is. Here are the best free ways to check where you stand.<\/p>\n","protected":false},"author":86,"featured_media":107376,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12519,12786,12627],"coauthors":[36466,36469],"class_list":["post-23559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-application-strategy","tag-chase","tag-fees-rules-and-policies"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/23559","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/86"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=23559"}],"version-history":[{"count":40,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/23559\/revisions"}],"predecessor-version":[{"id":246684,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/23559\/revisions\/246684"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/107376"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=23559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=23559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=23559"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=23559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}