How to check how many credit cards you have open (along with your Chase 5/24 status)
Meghan Hunter March 11, 2020 By Signing up for accredit cards through spouse links earns us a commission. Terms apply to the offers listed on this foliate. hera ’ s our entire advertise policy : How we make money. Monitoring your credit is arguably the most important expression of the miles and points hobby. Without a healthy citation score, you won ’ t be eligible to earn valuable welcome bonuses from the top credit rating cards for travel. Along with knowing your citation mark, knowing how many credit cards you have open is critical due to banks ’ application restrictions. Most noteworthy is Chase ’ s “ 5/24 ” rule — and it ’ s necessity to understand how this rule could impact your quest for spare travel. That ’ randomness because Chase has some of the best miles and points credit cards around, like our top choice for beginners, the Chase Sapphire Preferred® Card, and one of the best small clientele credit cards, the Ink Business Preferred Credit Card.
thus, let ’ s take a attend at an easy direction to track the count of cards you have open in regulate to determine your Chase 5/24 status . For example, with Chase ’ s tough application rules, it ’ s improbable you ’ ll be approved for most of their cards if you ’ ve opened 5+ cards from any bank ( not counting Chase commercial enterprise cards and these other business cards in the past 24 months ). Canceling a wag will not help get you below the “ 5/24 ” limit because any credit rating calling card you ’ ve opened in the past two years normally counts, regardless of whether it is presently open. This includes credit calling card accounts on which you are an authorized user. But sometimes folks have had success calling and getting Chase to not count those accounts. Some Chase cards are not impacted by the trust ’ s stricter application rules .
How to check the number of cards you have open
To see how many credit cards you ’ ve opened, I recommend using myBankrate — it ’ s rid and easy. First, you ’ ll need a Credit Karma account. It ’ randomness detached to create and alone takes about two minutes. During sign-up, they ’ ll necessitate you a few questions to confirm your identity. credit Karma uses data from your TransUnion and Equifax credit rating reports — but it doesn ’ t count which credit rating agency they use because newfangled personal credit cards will show up on reports from all three credit rating agency ( Equifax, Experian, and TransUnion ) .
Step 1. Log in to Credit Karma
After creating an account, you ’ ll need to log in — click the “ Log in ” button . From there you ’ ll be able to enter your e-mail address and password and click the following “ Log in ” button .
Step 2. View your credit report
After you ’ re logged in, you ’ ll see your credit scores from both Transunion and Equifax. To dig deeper into your credit report, start by clicking the “ Accounts ” part .
Step 3. Count the number of open card accounts
You ’ ll then see a list of all your credit card accounts. As you scroll down, you ’ ll be able to see each bill . You ’ ll indigence to click the drop-down function on each account to see the report ’ s exposed date — that ’ s the date you ’ ll necessitate to check to calculate your “ 5/24 ” count. Keep in mind, if you ’ ve opened a menu in the concluding ~30 days, it may not show up on your credit report, so you will need to add that to the count yourself. If you have not canceled any cards in the past 24 months, you ’ re all done at this point. But if you have, you ’ ll want to follow the following step to make indisputable you ’ re counting all of the cards necessity .
Step 4. Be sure to see if any closed accounts impact your “5/24” limit
Remember, even if you canceled a card that had been opened within the past 24 months, it still counts toward the Chase “ 5/24 ” restrict. To check when you opened your cancel cards, scroll down to the “ closed accounts ” section . The details will show you when the closed circuit board was opened. If it ’ sulfur been less than two years, you ’ ll have to include this in your card consider to determine whether you ’ re probable to be approved for a newly Chase circuit board or not .
Chase’s application rules mean you should get their cards first
Because it ’ second tougher to get Chase cards, I recommend applying for their cards beginning. specifically, I recommend applying for cards that earn valuable Chase Ultimate Rewards points. here are some of the top Chase cards we recommend : Note: Chase restricts people to alone having one Sapphire card at a time. For exemplar, if you have the Chase Sapphire Reserve, you won ’ t be able to open a Chase Sapphire Preferred card ( or frailty versa ).
If you ’ re looking to check how many citation cards you ’ ve recently opened, I recommend using Credit Karma — it ’ s free and easy to use. It ’ randomness authoritative to know how many cards you ’ ve opened if you plan to apply for Chase citation cards, because Chase will not approve you for most of their cards if you ’ ve opened five or more cards from any deposit ( not counting certain business credit cards ) in the past 24 months. This is why my recommend menu strategy for beginners is to apply for Chase cards beginning. With cards like the Chase Sapphire Preferred and Chase Ink Business Preferred, you can earn big sign-up bonuses and save lots of money on change of location .
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
- Earn 80,000 bonus points after you spend $ 4,000 on purchases in the first 3 months from account opening. That ’ s $ 1,000 when you redeem through Chase Ultimate Rewards® .
- Enjoy benefits such as a $ 50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dine and 2x on all other travel purchases, plus more .
- Get 25 % more value when you redeem for airfare, hotels, cable car rentals and cruises through Chase Ultimate Rewards®. For case, 80,000 points are worth $ 1,000 toward travel .
- With Pay Yourself Back℠, your points are deserving 25 % more during the current crack when you redeem them for affirmation credits against existing purchases in choose, rotating categories
- count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more .
Intro APR on purchases N/A regular APR 16.24 % – 23.24 % variable annual Fee $ 95 Balance Transfer Fee Either $ 5 or 5 % of the sum of each transfer, whichever is greater .
Rates & Fees