The Churning Toolkit
The spreadsheet, retired. Enter your cards once and get your live 5/24 count with exact drop-off dates, a per-issuer eligibility read for your next application, and an annual fee calendar so no fee ever surprises you. Setting it up earns +50 Compound Points.
Common Questions
What is the Chase 5/24 rule?
Chase automatically denies nearly every card application if you have opened 5 or more personal credit cards across all issuers in the past 24 months, no matter how good your credit is. Business cards from Chase, Amex, Citi, Barclays, Bank of America, US Bank, and Wells Fargo do not add to your count because they do not report to personal bureaus; Discover, TD Bank, and most Capital One business cards do count.
When does a card drop off my 5/24 count?
A card stops counting 24 months after the month you opened it. The tracker computes the exact drop-off date for every card you enter, so you know the earliest day a Chase application makes sense.
How do I track my 5/24 status?
Enter your cards once with their open dates. The toolkit keeps a live 5/24 count with drop-off dates, reads your eligibility per issuer for your next application, and builds an annual fee calendar. Everything stays in your browser; there is no account and no signup.
Which issuers have application rules besides Chase?
Amex limits you to roughly 2 cards per 90 days, Citi allows 1 application per 8 days and 2 per 65 days, Bank of America runs 2/3/4 velocity limits, and Capital One processes 1 application per rolling 6 months. Our issuer rules hub covers every rule with what counts and current workarounds.
Full detail on every issuer's rules, with what counts and current workarounds, lives in the issuer application rules hub.