Chase’s 5/24 rule: Everything you need to know

The 30-second read

Chase maintains a restrictive 5/24 policy that automatically denies new credit card applications for high-frequency borrowers. Executives must audit their recent personal card acquisitions to ensure eligibility before applying for new corporate or travel lines.

• 01Applicants are generally ineligible if they opened five or more cards within twenty-four months
• 02The rule applies to most personal cards and some business products across all issuing banks
• 03Approvals for premium travel rewards cards require strategic timing within this specific two-year window
• 04Failure to monitor account velocity results in automatic system rejections regardless of credit score

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