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Chase 5/24 tracker spreadsheet: count your cards and see when you drop below 5/24

Short answer: Log every new personal card account with its open date. Count the ones opened in the last 24 months with COUNTIFS, then take the oldest open date inside the window and add 24 months to find when your count goes down by one. Below 5 is the number the churning community reports Chase looks for.

What 5/24 means

Data points shared by the churning community suggest Chase usually declines most of its cards if you have opened 5 or more personal credit cards from any bank in the past 24 months. Chase does not publish the rule, so treat it as a reported pattern and keep the limit as a cell you can change.

What to log

One row per account. Most data points say these are what to include and leave out, but check recent reports before relying on it.

• Usually counts: new personal credit cards from any issuer
• Often reported to count: being added as an authorized user on someone else's card (some people ask Chase to exclude it on recon)
• Usually does not count: most business cards that do not report to your personal credit report
• Does not count: product changes, because no new account is opened

Columns

Keep it simple so the formulas stay readable.

• A: Open date
• B: Card
• C: Personal or Business
• D: Status (Approved, Denied, Closed)
• E: Counts toward 5/24? (TRUE or FALSE)

Formulas (Google Sheets and Excel)

• Cards in the last 24 months: =COUNTIFS(A:A,">="&EDATE(TODAY(),-24),E:E,TRUE,D:D,"<>Denied")
• Your status as text: =[count]&"/24"
• Under 5/24?: =IF([count]<5,"Under 5/24","At or over 5/24")
• Next drop-off date: =EDATE(MINIFS(A:A,A:A,">="&EDATE(TODAY(),-24),E:E,TRUE),24)
• Date you will be under 5/24 (count in F1): =IF(F1<5,TODAY(),EDATE(SMALL(FILTER(A2:A,A2:A>=EDATE(TODAY(),-24),E2:E=TRUE),F1-4),24))

Plan your next applications

Once you know your drop-off dates, decide the order: if you want Chase cards, apply for them while you are under 5/24 and before cards from other banks push you over. A sorted list of drop-off dates shows exactly when each slot opens up.

FAQ

Do closed cards still count toward 5/24?

Most data points say yes, because the rule is reported to count accounts opened in the last 24 months, open or closed.

Does a denied application count?

No. A denial adds a hard inquiry but no new account, so it does not add to the count.

Is there a ready-made 5/24 tracker?

Yes. The churning template below has the 24-month counter, drop-off dates, bonus deadlines and an issuer rules table you can edit, for Google Sheets and Excel.

Is this financial advice?

No. Bank rules are unpublished and change. Use this to stay organised and check recent data points before applying.

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