If you have any Chase cards or want to get some (which you should) it’s a good idea to be aware of some rules and other tidbits of information. Most notably is the Chase 5/24 rule. Chase will not approve you for any of their credit cards if you have opened more than 5 cards across any bank in a 24 month period. Being an authorized user can also count against the Chase 5/24 rule.
It is important to be aware of this rule so you can plan your credit card applications strategically. Because of this rule, most people like to start by signing up for Chase cards first.
Most business cards won’t be counted towards your Chase 5/24. Capital One, Discover, and TD Bank business cards are the exception and WILL count towards your 5/24.
Chase Bank issues some of our favorite cards so it important to know about the Chase 5/24 rule. You want to take a long, hard look at their cards before you move on to other issuers because once you are over 5/24, Chase will not approve you for their cards until you get under the 5/24 rule.
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