How to Calculate YOUR Chase 5/24 Rule Status (3 Ways)

Want an easy way to calculate your Chase 5/24 Rule standing? I’ll show you the BEST way I’ve seen so far so you can better determine when to apply for your next Chase credit card! Click “Show More” to see Ad Disclosure, links, and additional information below.
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• CHASE 5/24 RULE EXPLAI...
WHAT IS THE CHASE 5/24 RULE? (Chase 5/24 Rule Explained)
Chase will automatically deny a credit card application if you’ve opened 5 or more cards with any bank in the last 24 months that appear on your credit report. This includes closed credit card accounts within the past 24 months.
So say you’ve opened 2 Citi credit cards (like the Citi Custom Cash and the Citi Double Cash), plus 2 American Express credit cards (like the Amex Gold Card and Amex Platinum Card), plus 1 Chase credit card (like the Chase Sapphire Preferred). In total, that’s 5 credit card accounts across all issuers. If you’ve opened all of those in the past 24 months, then you’ll need to wait until your ‘count’ is 4 credit cards or fewer within your current 24-month look-back period.
HOW TO CHECK CHASE 5/24 STATUS
While you can use apps or programs like Credit Karma, Credit Journey by Chase, and others, I’ve found the easiest way is to use the Experian mobile app (with a free Experian account). Simply follow these steps:
1. Sign up for a free Experian account
2. Download the mobile app & log in
3. View all cards from newest to oldest (use the ‘Views’ feature in the top right corner)
4. Count the credit cards you’ve opened in the last 24 months
The Experian app makes it very easy to see your credit cards by year, in order, and with the exact Open Date displayed in 1 scrollable list.
DO BUSINESS CARDS COUNT TOWARDS 5/24?
Almost always no. As long as they do not appear on your personal credit report, then business credit cards will not count towards 5/24. Known exceptions of business credit cards that do report to the personal side include Discover and TD Bank.
ALSO NOTE...
The date you’re ‘officially’ below the Chase 5/24 Rule will likely not be the exact date your card turns 2 years old. Rather, it’s recommended to wait at least until the 1st day of the next month after your card’s 2-year anniversary. That way you allow extra time for your credit report to update. Personally, I like to wait closer to 1 month to ensure that both my credit report and Chase’s system are completely up to date.
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Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
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[@MarkReese]

⚠ *UPDATE 7.25.2023:* Experian changed their app layout. At 6:06 where I showed the 'Reports' tab, you'll instead want to tap on the 'Credit' tab, then 'View report' under Quick Actions. The rest of the flow remains the same 👍 💳👇 VIEW CREDIT CARD OFFERS! markscreditcards.com/offers 👀👇 FIND YOUR NEXT BEST CARD! markscreditcards.com/cardexplorer 🚨📲 SUBSCRIBE to Credit Card Welcome Offer Notifications! markscreditcards.com/welcomeofferalerts 🚨📲SUBSCRIBE to Transfer Partner Bonus Notifications! markscreditcards.com/transferbonusalerts 🛍 RAKUTEN - Earn Cash Back! markscreditcards.com/rakuten ⬆ (More links in Description below video!

[@genozendejas3426]

Appreciate the content. Applied for the Freedom UL 1 day after getting back under 5/24 and was approved. Also had not applied for any new cards in 6 months and established banking relationship with Chase

[@MarkReese]

Well done & congrats on the approval, Geno!

[@1bridge11]

You brought back the Jimmy Neutron hairdo. Nice.

[@MarkReese]

😄

[@android7764]

Brain blast! 🧠 🤯

[@professorxadventures]

Thank you for this video! I have been attempting to figure my 5/24 status but didn’t know exactly how.

[@MarkReese]

You're welcome!

[@Th33Vultur3]

I'm at 8/24, so for right now, I'm gonna rest and let them age together. Once I drop below to 4/24, I will apply for the Flex to completment my Unlimited.

[@waylandchin]

Even with credit, you don’t need to know the exact day to figure out your 524, just count up from the newest one on the bottom and if the fifth account has a duration of more than two years then you’re good

[@MarkReese]

Great point, Wayland!

[@eduardazayev4230]

Thanks, very helpful information.

[@MarkReese]

You bet!

[@jayharp919]

Great video Mr. Reese! Always a thumbs up!

[@MarkReese]

Thanks Jason!

[@millennialmoneymom]

Hey Mark! I had to come back and watch this video again, I think they removed the reports tab from the experian app! 😥

[@MarkReese]

Yep they sure did. It's now 2 steps. You'll instead want to tap on the 'Credit' tab, then 'View report' under Quick Actions. The rest of the flow remains the same 👍 Thanks for catching this!

[@paulstein916]

Mark, thanks. Another great video. Currently 4/24 and trying to keep a slot open in case a great sub comes along. My accounts won’t start to cycle off until next spring.

[@MarkReese]

4/24 is a good place to bet!

[@ayamaikarim]

Chase 5/24 rule might be annoying but makes sense. Since March convinced my spouse to apply for Chase, starting with Chase Freedom Flex, Marriott Bonvoy Bold and last week IHG Rewards Premier Credit Card "Awesome Offer", they have given her on all 3 cards high credit limits, I am an authorized user on all three cards, will apply next July for Chase Sapphire Preferred. Great video as always.

[@MarkReese]

Nice, congrats to her on all those approvals! 💯

[@ReeceReviews19]

Do you have a video on your entire cc collection!?

[@MarkReese]

Yes, it's no longer 100% current, but here's the link from last year: kzbin.info/www/bejne/a4axaqh_g7JknJY

[@PatrickDKing]

Great stuff. I also use that wallet app to see when im eligible.

[@MarkReese]

Awesome!

[@Lowspeedoperator]

Credwise with cap1 has a handy new account feature when you click transunion report

[@MarkReese]

I see what you mean, it sure is! 💯 The "within the past 2 years" count is awesome.

[@Lowspeedoperator]

@@MarkReese yeah noticed it recently...trying to garden to get that 1st chase card and nice rewards 👍

[@thefinancialcouch1072]

I see you flexing that credit score in the beginning lol. Great video, Mark 👍🏻

[@MarkReese]

😎👊

[@samuelnoyola9115]

I have 2 barclays business credit card and both of them report to my personal credit.

[@MarkReese]

Strange. I have 2 Barclays business cards and neither one reports to my personal credit report 🤨 Which 2 do you have?

[@Xtremeproducts]

It was complicated for me trying to find it on credit karma

[@MarkReese]

I can see why 😬

[@kathyspencer7882]

Great content…very helpful! Thanks Mark. 🙌🏼

[@MarkReese]

You're welcome, Kathy!

[@thecreditcardmd]

Great video mark 👏🏻 - I just wish MaxRewards would add a 5/24 tracker!

[@MarkReese]

Thanks! Yep, that'd be a great feature 💯

[@mikegoodwin2386]

Good info. I've seen most of that stuff but never researched what would be the best/easiest/quickest way to figure where you were on 5/24. I look at my most recently opened five and see when that fifth one will drop outside the 24-month window. I KNOW for a fact that I was approved for it on Jan 16, 2021. But looking where you showed us on Ex, it says Jan 17. So that's what PenFed reported to the credit bureaus as the date opened, so that's what I have to go by. I'm planning to wait until Feb 1, 2023 to apply for a CSP, but if I were trying to cut it as close as possible and app'ed on Jan 16, it would have been trouble.

[@MarkReese]

Glad it was helpful!

[@davemartinez4143]

Thank you very informative video. This may sound funny but I believe I got credit cards that are older than you. But much to my chagrin I have nowhere near your knowledge concerning credit cards. Over the last few years I have been opening up new accounts faster than a kid opens up presents on Christmas morning. Once again thank you for sharing your knowledge it is invaluable

[@MarkReese]

Haha that's great! Being able to have that Christmas feeling whenever you like is fun 😄👍

[@dcard708]

Can you do a quick video on what cards are best for points back on ride sharing?!

[@MarkReese]

Hey dcard708 - I'll consider it for a future video, but not something I have planned in the short term 👊

[@world_meets_boy]

its even easier to track your inquiries on the Experian app now. after you log onto the app, you just click "Reports" scroll down to the "Inquiries" section, click "View Inquiries" and it will actually show you the removal dates 😎

[@MarkReese]

Gotta love it when things get easier! 📲

[@ayman.ibrahim]

Nice video as usual, thanks...

[@MarkReese]

You bet!

[@DCGEMINI202]

Im 13/24 and called the recon line yesterday and was approved for the hyatt card. Took about 5 long phone calls but it worked. Dont give up people. Do i recommend applying knowing your over?…. NOO!!! Can u get approved?… yes

[@MarkReese]

Wow that's awesome, well done! Did they say 'no' in the first 4 calls? What made the last call work?

[@DCGEMINI202]

@@MarkReese they kept saying no due to to many accounts opened and high revolving accounts which made no sense since i have 0% utilization. And I honestly dont know what made a difference. I called about never receiving a denial letter and i got transferred about 3 times, verified income and got approved. I was SUPER SHOCKED, was not expecting that

[@MarkReese]

@@DCGEMINI202 - Clearly it was worth it! Enjoy the card 🎉

[@zenster1097]

Yeah. That is what I was wondering about towards the end. Should you wait for it to "clear" a month after for the billing cycle or not. But wouldn't it not be the 1st day of the next month but the day after your next billing cycle starts?

[@MarkReese]

Not fully sure. Per an article from The Points Guy, it says, "...to wait until the first day of the 25th month after your fifth account was opened to actually be below the 5/24 limit..." Link to source: thepointsguy.com/guide/how-to-calculate-your-5-24-standing/ So I see what you mean. If you opened your card late in the month (e.g. Aug. 29th), then the "1st day of the 25th month" would be Sep. 01. That may be too little time for Chase's system + your credit report to refresh. For that reason, I simply said "at least until..." in the video. It also gets more complicated in that different credit reports from different bureaus may get updated at different times. So if Chase pulls EX in your area but TU for someone else, that could also affect the 5/24 situation based on if a report hasn't yet shown the new "2 years old" status. You can see why I personally like to wait 3 weeks to 1 month after my 2-year anniversary. The more time to ensure the systems get updated, the better 😁

[@Soranzo]

I’m currently in the same boat. One thing I’m doing is checking for pre-approvals to see if the numbers have reset.

[@MannyCovington]

This is very helpful! Especially with chase cards being so valuable and integral to a lot of people's credit card strategies!

[@MarkReese]

Totally agree!

[@nycste1982]

2 questions ! Does upgrading or downgrading a card ever qualify for a new card holder benefit? For example could I upgrade my freedom basic to a premium card and get the welcome offer? And second part of that question does a downgrade or upgrade count as a new card in the 5/24 rules?! Thx

[@MarkReese]

1. No. Upgrading or downgrading does not open a "new account," so you will not receive a "new" cardmember offer. An exception would be if the bank specifically offers you a targeted offer for doing so. 2. No. Upgrading or downgrading does not affect the Chase 5/24 rule. An exception would be if a bank requires closing the old account & opening a new one, which is very rare. The 5/24 Rule only counts "new" card accounts within the past 24 months.

[@johndunston2394]

Mark thanks for this video. I'm in gardening for the next two years due to 5/24. 👍

[@MarkReese]

Garden time! 😁🍃

[@aadeorukhkar]

Informative video as always, Mark! Also, one more reason I despise Chase 😏. In my personal experience I found them to be very stern (this comparing to Amex, Citi, Discover, BOA). I agree with the value, but I honestly don’t think it is the best value out there, albeit Chase seem to believe that apparently. I wanted to try, KNOWING this rule and was declined. Apparently the 5/24 rule overshadows paying off 3 cards in full 😂. Again, stern! Thanks for the explanation though!

[@MarkReese]

It's a firm rule indeed 😁

[@aadeorukhkar]

@@MarkReese Why AMEX will have more business from me 😉.

[@darrenperry3811]

Do cards where you are an authorized user count toward the 5/24 "punishment"?

[@MarkReese]

Yes / no. Chase's system will count them against you. However, if you're 6/24 with 2 of those being AU cards (i.e. "4/24" in reality), you can apply, get denied, and call the Chase reconsideration line to get the decision overturned.

[@carlosgomezvaliente9775]

Great video Mark as always great informative content. Question!! Does the secured amazon store card from Synchrony counts towards 5/24? Thanks in advance.

[@docsays]

- yes any bank issued or retail issued credit card counts. Only business cards are excluded.

[@MarkReese]

Hi Carlos - yes it does ✌️

[@AM-nm1oe]

Just applied for sapphire reserve. I'm technically at 4/24 but I didn't take your advice and chase considers me at 5/24 bc a whole month has to pass before the card drops off. They said they pulled my Experian and that it only shows month and not day so they say I won't be at 4/24 until next month. I also have two AU cards and they confirmed that those don't matter as long as I say I'm not financially responsible and it's actually an AU. I spoke to the underwriter directly via the reconsideration line

[@MarkReese]

Yep that all adds up to me.

[@AM-nm1oe]

@@MarkReese it's so crazy that you respond to everything.

[@AM-nm1oe]

I called back on 4/1 because I was still within 30 days from Application date and got approved without another application

[@MarkReese]

@@AM-nm1oe - BOOM! 👊💥 Well done & congrats!

[@jakejoling6425]

How do closed accounts affect the 5/24 rule?

[@MarkReese]

As long as they're within the 24-month look-back period, they still count.

[@Xtremeproducts]

Nice ferns in the back

[@MarkReese]

Thanks! 🌿

[@basilhamed3039]

Great and helpful video mark ! I have a question about Amex credit cards . Would the Amex business credit cards count towards Amex 5 credit card limit if there is a limit anyway ? Or does it apply to personal credit cards only ? Thanks

[@MarkReese]

Hi Basil - business credit cards count, too.

[@birbir969]

How about car loan and mortgage? Does it count on 5/24

[@MarkReese]

Nope, only opened credit card accounts ✌️

[@FreddieCoxJr]

What’s that card holder? Amazon link?

[@MarkReese]

Here's the link to the product on Amazon: www.amazon.com/gp/product/B07YJGR732/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1

[@ReeceReviews19]

I hated when credit karma kept changing the platform too omg

[@MarkReese]

😄👍

[@junitolopez3762]

Buenos días Mark. Maybe I just don’t completely understand it. But, wont it be easier to just look at your number or inquires? If you don’t have any your good, since it takes 24 months for them to clear. I figured is what Chase is looking at, the algorithm. Just curious

[@MarkReese]

The # of inquiries is not always equal to the # of opened accounts.

[@junitolopez3762]

@@MarkReese thank you!!!

[@kevenjuela342]

Does hard inquiries consider as open account when I got denied? I have 5 hard inquiries and I was accepted only in 3 out that 5 hard inquiries.

[@MarkReese]

Hard inquiries do not count as an open account. Open accounts only occur if you get approved.

[@BunansaBalthier]

Hello. I have a technical question about the "5/24" rule. Suppose I have 5 credit card accounts opened and my fifth card was opened December 1, 2020. So, on December 1, 2022, my fifth card will become 2-years old and the hard inquiry associated with that card should expire from my credit report and I should be at "4/24". Okay. Given that information, how long should I wait (or not at all?) before apply for a new Chase credit card? Should I apply December 1st? Or, should I wait until the next day? Give it a week? Or wait until the next billing cycle and check Experian or Credit Karma to be safe? That's your take? I understand there might not be an official statement around this topic, but I'd like to hear your opinion on it. Thanks.

[@MarkReese]

Hi Ben - I'm not aware of an exact wait period; it may have to do with your own billing cycle & when your own credit report gets updated. For example, even if 12/01 is the exact day your card turns 2 years old, your credit report may not reflect it for another few days or weeks. I personally wait about 1 month.

[@smitpatel8802]

Hey Mark is chase trifecta (with CSP) still worth it compared to venture x (for travel)?

[@MarkReese]

For some people, yes. For other people, no. The answer will vary based on people's goals.

[@djpuplex]

Got a chase ink offer though Iam 6/24. It's a preselected offer I believe.

[@TheAudioCzar]

I had a pre-selected offer for the sapphire preferred with 100K sign up bonus, I got denied for being over 5/24. I was like why did you send me an offer then 😡

[@MarkReese]

Nice. I don't think preselected offers bypass 5/24 any longer, though I can't confirm that. Normally marketing campaigns do not take rules like 5/24 into account.

[@MarkReese]

Czar - yep I hear ya on that. I'm not aware of any banks that include internal rules (like 5/24) in their marketing campaigns.

[@TheAudioCzar]

@@MarkReese well I can confirm it lol.

[@Prizelife]

Does a personal line of credit count towards 5/24?

[@MarkReese]

Not that I'm aware of. Should only be credit cards.

[@keilongeorge6027]

Great video So just so I’m clear does hard enquiries not count towards your 5/24? Does 5 or more hard enquiries stop you from getting chase cards?

[@MarkReese]

Correct. Hard inquiries do not effect the 5/24 rule, only newly-opened credit card accounts.

[@10ahmedhassan]

I thought they loosened the restrictions on Chase since December last year and I am not sure if one of your videos stated that

[@MarkReese]

That was only for a few co-branded cards, specifically: the Southwest personal cards, the Amazon Prime Rewards Visa, and the United Explorer Card. It also may not apply to everyone.

[@10ahmedhassan]

@@MarkReese what about world of Hyatt ?

[@MarkReese]

@@10ahmedhassan - Nope. 5/24 still applies.

[@malekdurst8136]

Does being an authorized user have effect on 5/24?

[@MarkReese]

Yes, Chase's computer system counts AU cards towards 5/24. However, you can still apply, get denied, then call the Reconsideration Line. Tell the representative which ones are AU accounts & to have those not counted since you aren't responsible for the accounts.

[@tiffbluestocking2020]

Do authorize user accounts count against you??

[@MarkReese]

"Yes" in that Chase's computer system will count AU accounts & deny an application if primary + AU accounts are 5 or more. "No" in that if you get denied, you can call the Chase reconsideration line and ask that the AU accounts not be counted because you're not responsible for them.

[@shawn.credit]

58 cards strong while avoiding Chase’s 5/24 bs.

[@MarkReese]

🏆🏆🏆

[@aaronclarke919]

Can you apply for a business card if you’re at 5/24? I want a chase business card , but I’m at 5/24. I’ll be at 4/24 in march

[@MarkReese]

I wouldn't. The 5/24 Rule applies to Chase business cards, too.

[@itsofficialj]

Im at 7/24, but im an Au on my wife's cards. 2 of her cards. Do they count Au as part of your 5/24?

[@MarkReese]

Yes, Chase's system will count AU cards. However, if the only reason you're at or over 5/24 is due to AU cards, then you can apply, get denied, and call the reconsideration line to have an agent overturn the decision.

[@noahlowrey2330]

I just got the Chase amazon Visa card last week with 16 hard inquiries in the last 12 mouths so the 5/24 must not be written in stone cause they gave me a card

[@MarkReese]

Congrats! However, inquiries are not factored into 5/24...only card accounts that were opened.

[@noahlowrey2330]

@@MarkReese I have a total of 12 credit cards and I got them all in the last 11 months next month in July I will have one year of credit history

[@edleiva1979]

I have three Amex personal cards and One business card. Would all four cards count toward the 5/24 rule?

[@MarkReese]

No, only the 3 personal cards would count since those appear on your credit report.

[@WnTrAce]

so is the 5/24 rule 5 cards regardless if some of the cards are closed or only cards that remained open

[@MarkReese]

Correct.

[@samsalgado232]

How can you get a bonus for preffered and for reserve? Can I close my preffered two years after I opened it and then open the reserve and get the bonus for it?

[@MarkReese]

Chase doesn't allow you to have both open at the same time anymore. You'd have to get 1 Sapphire card, then downgrade it after Year 1, and wait 48 months before applying for another Sapphire card w/ a bonus.

[@MileHighSteve24]

Amex hasn’t been give me hard inquiries. I’m sure it still counts as an open account right?

[@MarkReese]

Correct. Amex often does soft pulls for future applications once you've established a card relationship with them. However, inquiries don't matter with the 5/24 Rule; only opened accounts.

[@I77Y]

Would the gold card from Amex count towards 5/24 if I already had a card with Amex before? Asking because they don’t pull another inquiry if you had an account in the past with them plus the gold card is a charge card, not a credit card.

[@MarkReese]

Yes, it still counts. Inquiries do not impact the 5/24 rule, which is based only card accounts that you open & that appear on your credit report.

[@aaront936]

Why not just look at the hard inquiry tab on credit karma? It shows the exact date you applied.

[@MarkReese]

Because an inquiry still shows up even if you get denied for a card.

[@aaront936]

@@MarkReese doesn't the inquiry count towards your 5/24 status regardless of whether or not you were approved?

[@MarkReese]

@@aaront936 - No, inquiries don't impact 5/24. Only newly opened accounts.

[@djlive86]

Does The 5/24 Apply To Store Cards Like From Samsung? There Is No Physical Card Tho.

[@MarkReese]

As long as it's a credit card account that shows up on your personal credit report, then yes, it will count towards 5/24.

[@djlive86]

@@MarkReese For Samsung It Shows Charge Card, On Experian But Again I Don't Have A Physical Card. Samsung Finance Is Thru TD Bank.

[@MarkReese]

@@djlive86 - Hmm all I can say is Amex charge cards do count towards 5/24. While the Samsung account sounds like it should count as well, I cannot guarantee that as I don't have experience with it.

[@aeriolewoody8726]

I have 3 amex business credit cards and 1 chase business credit card. I have 1 hard inquiry from Amex, 2 soft inquiries from amex, and 1 hard inquiry from chase. If I apply for more business credit cards like capital on tap, citizens bank, and home Depot revolving card, will my chase account close due to going over the 5 cards in 24 months? Or will it only close it I apply for more chase cards? Hope this makes sense lol.

[@MarkReese]

Hi Aeriole - Chase will not close any of your cards if you get more from other banks.

[@mannymac82]

5/24 doesn’t apply to co-branded card like the United, Southwest, and Marriott cards, right?

[@docsays]

- earlier this year i saw a few dps suggesting they did not, however, i wouldnt count on it. Ive also seen many dps stating they did count and were denied a chase card.

[@MarkReese]

Hi Emanuel - it was my understanding that Chase may have loosened the 5/24 Rule for the Southwest personal cards, United Explorer, and Amazon Prime Rewards Visa. However, that did not necessarily apply to everyone and it may/may not still be in effect. Generally I stick to the viewpoint that the Chase 5/24 Rule applies to all Chase cards all the time.

[@dohausser]

Does anyone know if cards like Chime and Extra are included? They are really just debit cards that report spending to the bureaus.

[@MarkReese]

Hey dohausser - not sure about that. Hopefully someone else has an answer.

[@Scars_on_my_nose]

If they report, they report

[@primrosetx9571]

If you applied but then canceled it right after you received it, do they still count it against 5/24?

[@MarkReese]

As long as it shows up on your credit report under open or closed accounts, yes 👍

[@japrtorres]

Veryinformative! But noob question, is being an Authorized User counts? I do not see it in Experian or Credit Karma though but maybe it's somewhat counted?

[@MarkReese]

On which card are you an AU? How long have you been on the account?

[@japrtorres]

@@MarkReese HSBC world premier. A little over 1 yr. It's our first card before veven coming to the US.

[@MarkReese]

@@japrtorres - Interesting. Normally Chase does count AU cards toward 5/24 (though if you get denied for that reason, you can call the reconsideration line & ask them to not count the AU accounts). However, if the account doesn't appear on your credit report, then I'm not sure what to say. One of the biggest reasons to become an AU is to help you begin your credit journey.

[@japrtorres]

@@MarkReese yup nothing from any of the credit reports 😅 We'll see on my 5th card application. Thanks for you insights! Looking forward to your contents

[@marcojean-pierre3342]

Credit Wise by capital one tell you exactly

[@marcojean-pierre3342]

Go to the section what’s affecting my credit score, and it will say will number of accounts open in the past 2 years. Example: “4 account open; past 2 years”

[@MarkReese]

Awesome! Thanks for pointing that out, Marco!

[@marcojean-pierre3342]

@@MarkReese No problem

[@ammooth1592]

Reese, I was with you from credit karma, to the Experian app. My average is 6yrs 3 months. But on mine the view isn't on top right upper corner as yours is on Experian ⁉️ The last credit 💳 I applied for was 2yrs 7 months 💯. I am still thinking about applying for 2 credit 💳 💳 after this month.

[@MarkReese]

Interesting. Perhaps we have different versions of the Experian app?

[@ammooth1592]

@@MarkReese It's another version of Experian ❓

[@ammooth1592]

@@MarkReese Mine is asking me to update, Equifax, TransUnion. But as I saw on your app. I should be able to do the same thing.

[@MarkReese]

@@ammooth1592 - Hmm not sure.

[@ammooth1592]

@@MarkReese Reese, I want to asked this. How did you get so many credit cards with low hard inquiries 🤔🤔

[@davidbermudez3787]

Does credit authorized user card count? I want the chase freedom but I have 3 credit cards personal and 2 as authorized user

[@MarkReese]

"Yes" because the Chase computer system will count AU cards. "No" because when you get denied, you can call the Chase Reconsideration Line to let them know which accounts are AUs and then request they not be counted since you're not financially responsible for them.

[@davidbermudez3787]

@@MarkReese okay thanks 👍🏽

[@kanubee]

Interestingly, my Experian app doesn't have the option of "views" and I've been using the app for over a year. 🤔

[@MarkReese]

1. iOS or Android? 2. Do you have the latest version?

[@kanubee]

@@MarkReese I've got Android and there is an outstanding update that only describes the ability to freeze the experian credit report. Seems like you've had this feature for some time now. Of course, I'll update as soon as possible and we'll see what that looks like.

[@MarkReese]

@@kanubee - Perhaps it's only on iOS.

[@kanubee]

@@MarkReese I think you're right. I updated to the latest version and it still doesn't appear. Oh well, Guess I'll have to use my fingers. Thanks for the tip.

[@joelquirarte3482]

Hi Mark, I came back from watching the 5/24 you posted a year ago and saw the other video where you called the reconsideration line. I'm going to be at 4/24 in November but do have three authorized cards. When I apply in December, should I wait for the letter before calling?

[@LK_EBM]

No, you can call right away

[@MarkReese]

Hi Joel - that's up to you. Getting the letter simply gives you the opportunity to know the reason(s) for the denial prior to calling to better prepare yourself. However, if the only reason you think you'll be denied is your 5/24 count, then I don't see any reason to wait. Lately I've been calling the same day of a denial.

[@TheAudioCzar]

I don't even care about Chase cards anymore, I used to want them because of the hype, but when I look closer at them I feel I earn faster with my Capital One and Amex setups. I am jealous of southwest as a transfer partner though. But every card I get while I'm over 5/24 I feel like I'm saying 🖕🏿 Chase 😁

[@MarkReese]

Haha Amex + Capital One make for a good setup 👊

[@JB-pk1jx]

yeah chase is very overrated

[@TheAudioCzar]

@@JB-pk1jx thought I was only the one who felt that way 😂

[@benkeating3862]

I have had the Chase Sapphire card (non-fee one) for about 10 years. I want to get the chase sapphire preferred card. Do I qualify for the sign-up bonus or not? Or what do I need to do so that I can get the chase sapphire preferred card sign-up bonus? I have the capital on venture X and have completed that sign-up bonus.

[@MarkReese]

1. Are you below 5/24? 2. Have you gotten a welcome bonus on any Sapphire-branded card in the past 48 months?

[@benkeating3862]

@@MarkReese yes, below the 5/24 and no, I have not gotten one in the past 48 months. I figured I was good to get the sign up bonus but wanted to make sure.

[@MarkReese]

@@benkeating3862 - Great. In that case, the final rule standing in your way is having an existing Sapphire-branded card open. So, to get around that & to make yourself eligible for a new Sapphire bonus, simply call Chase and ask them to product change your no-fee Sapphire card into a Freedom-branded card. I don't know exactly how long it takes for Chase's system to fully refresh, so I'd personally wait until I received the Freedom card in the mail & activated it before applying for a Sapphire-branded card again.

[@benkeating3862]

@@MarkReese Thanks and I really do appreciate it! Love your videos! Keep up the good work!

[@AlyviaGranillo]

Currently at 5/24 but one is an AU and my next card drops off after this month! Hope chase comes out with a good offer soon

[@MarkReese]

Awesome! 🌟

[@caribdude8151]

Hey Mark, hope you are having a good week. I just had a question. What would be your opinion if Chase had recently just made the Freedom Unlimited a 2% card on all other purchases and kept everything else the same on it (SUB, all other earnings etc) but took off the FTF on both the FU and Freedom Flex as well as OG Freedom also if Chase had made the CSP 3x on Groceries rather than online groceries? How would this effect their competition and make people want the Chase cards etc. Also do you think people might not get the CSP if the Freedom Cards had NO FTF. Just curious your thoughts. I'm just imagining... I wanna know your opinion since you are the Credit Card Guru. I know it may be a lot to talk about but just wanted to know your thoughts. As always thank you for replies!

[@MarkReese]

Too much to consider in the comments section. I don't speculate about what-if scenarios if there aren't any leaked rumors 😄✌️

[@caribdude8151]

@@MarkReese All good brother! Thank you for what you do!

[@Mamba4ver]

Do AU account count towards 5/24?

[@MarkReese]

"Yes" because Chase's computer system will count AU accounts. "No" because if you get denied, you can call the Chase Reconsideration Line to identify which cards are AU accounts and request they not be counted since you're not financially responsible for them.

[@Mamba4ver]

Thanks for the reply

[@PurpleDrazi]

I cheat. I've got an Excel sheet with cards I've got and the date I was approved (along with other info) 😉

[@Scars_on_my_nose]

I cheat. On my husband

[@davemartinez4143]

We used to call that being prepared

[@MarkReese]

Francis - great way to do it! I also do the same & update every few months.

[@betruetoyourself7162]

If you already have a chase card, don’t they have all this info?

[@MarkReese]

What do you mean?

[@betruetoyourself7162]

@@MarkReese some credit cards have variations of the credit report already. I think Discover tells you how many accounts but if you have a chase card already, there is a wonderful tool there that showed your credit history. For me it is so much easier than creating a new account with equifax or mint or karma. I wasn’t criticizing your vid or anything. Your vids are great!

[@MarkReese]

@@betruetoyourself7162 - Oh for sure! There are plenty of other ways to calculate your 5/24 standing 😃👍

[@michaeldiaz6060]

Mark im kind of in a pickle. I have amex trifecta (Plat, Gold, blue perffered) and chase trifecta (CSP, flex, unlimited) I was thinking of dropping CSP to base sapphire to keep the account open and getting the capital one venture X. Can i get some advice?

[@guaparra2]

You could product change the Sapphire to a freedom Flex or Unlimited. I just did that with my Sapphire and got the Flex.

[@jeffreyshih2550]

@@guaparra2 or the regular freedom to have it be visa. (freedom with ultimate rewards)

[@guaparra2]

@@jeffreyshih2550 either one is good I just prefer the flex

[@MarkReese]

Hi Michael - that's not a decision I can make for you 😄✌️ It depends on what you're trying to achieve & what you value.

[@marvinmarshalljr]

Chase people with that birthdate. ROGER THAT CHAT 💬

[@MarkReese]

Haha I didn't follow...what are you referring to?

[@Hail2th3k1n6]

I'm at 6/24 😑

[@MarkReese]

I know the feeling 😬

[@michaeldiaz6060]

First!

[@MarkReese]

🏆