topic Re: Chase's 5/24 is Gone/Datapoint in Credit Card Approvals

Chase's 5/24 is Gone/Datapoint

Antredd — Sun, 22 Feb 2026 02:44:18 GMT

I called Chase to see whether or not I could exchange my Chase Freedom for a Chase Sapphire card. The representative said that I couldn't do that, but I could apply for the Chase Sapphire card out right.

Thinking of Chase's 5/24 rule after recently applying for and and getting approved for 7 credit cards (two were Chase's Southwest and Freedom cards) over a 24 month period, I was reluctant to apply.

However, I applied for the card just to see whether or not I would get denied because of their 5/24 rule. After applying, a message came up stating that I didn't qualify for the Sapphire's bonuses, but did I want to continue my application. I clicked yes. I was approved with a 10k initial limit. My current Fico Scores are Equifax 843, TransUnion 835, and Experian 805.

Re: Chase's 5/24 is Gone/Datapoint

FicoMike0 — Sun, 22 Feb 2026 03:23:42 GMT

Congratulations!

Now we'll all be waiting to find out if this a one off, or a change in policy. Which sapphire did you get, preferred or reserve? Any idea why you didn't qualify for the sub?

Re: Chase's 5/24 is Gone/Datapoint

Antredd — Sun, 22 Feb 2026 04:21:25 GMT

That's a good question. I read on Reddit that Chase is technically no longer using the 5/24 rule anymore.

I was approved for the Sapphire preferred card with an annual fee of $95.

I didn't qualify for the Sapphire preferred's bonus because I had applied for the Southwest card and received 50,000 bonus points a year ago.

I'm thinking part of the reason Chase doesn't want their customers applying for multiple credit cards is to prevent the customer from getting all of those bonuses, and then closing the accounts.

Re: Chase's 5/24 is Gone/Datapoint

ElvisCaprice — Sun, 22 Feb 2026 04:19:45 GMT

Congrats on the approval. I wouldn't have applied with SUB excluded.

Regardless, if the Preapp doesn't give me the green light, ain't no way in hell I'm applying.

Re: Chase's 5/24 is Gone/Datapoint

Antredd — Sun, 22 Feb 2026 04:25:55 GMT

Thank you. After speaking to the customer service rep and because they would not allow me to convert my Chase freedom over to the Sapphire preferred, I was testing the waters to see whether or not the 5/24 rule applied. So I guess the 5/24 rule doesn't for me at least.

Re: Chase's 5/24 is Gone/Datapoint

ElvisCaprice — Sun, 22 Feb 2026 04:32:27 GMT

@Antredd wrote:
Thank you. After speaking to the customer service rep and because they would not allow me to convert my Chase freedom over to the Sapphire preferred, I was testing the waters to see whether or not the 5/24 rule applied. So I guess the 5/24 rule doesn't for me at least.

without the SUB. That may have been the final factor for waiving the 5/24.

Re: Chase's 5/24 is Gone/Datapoint

Antredd — Sun, 22 Feb 2026 04:33:47 GMT

So if I'm understanding you correctly, Chase doesn't include their cards that we applied for and was approved for in their 5/24 rule. I did receive two Chase cards of the seven I was approved for in that 24 month period.

@ElvisCaprice wrote:
@Antredd wrote:
Thank you. After speaking to the customer service rep and because they would not allow me to convert my Chase freedom over to the Sapphire preferred, I was testing the waters to see whether or not the 5/24 rule applied. So I guess the 5/24 rule doesn't for me at least.
without the SUB. That may have been the factor for waiving the 5/24.
@ElvisCaprice wrote:
@Antredd wrote:
Thank you. After speaking to the customer service rep and because they would not allow me to convert my Chase freedom over to the Sapphire preferred, I was testing the waters to see whether or not the 5/24 rule applied. So I guess the 5/24 rule doesn't for me at least.
without the SUB. That may have been the factor for waiving the 5/24.

Re: Chase's 5/24 is Gone/Datapoint

ElvisCaprice — Sun, 22 Feb 2026 04:39:19 GMT

@Antredd wrote:
So if I'm understanding you correctly, Chase doesn't include their cards that we applied for and was approved for in their 5/24 rule. I did receive two Chase cards of the seven I was approved for in that 24 month period.

Just Chase business cards are excluded. Personal are included into 5/24. Many other business cards are also excluded. If they are not on your personal profile, they don't count.

Re: Chase's 5/24 is Gone/Datapoint

JoeRockhead — Sun, 22 Feb 2026 17:20:22 GMT

Congratulations on your approval. But, 5/24 gone?... No, it's still very much a thing. 5/24 nuanced rules is more probable, such as meeting certain score and profile thresholds for approval but not bonus eligible because at or above 5/24. This "evolution" of the rule is going to be a deal breaker for a lot of people.

Re: Chase's 5/24 is Gone/Datapoint

Realist — Mon, 23 Feb 2026 04:23:48 GMT

@Antredd wrote:
I called Chase to see whether or not I could exchange my Chase Freedom for a Chase Sapphire card. The representative said that I couldn't do that, but I could apply for the Chase Sapphire card out right.

Thinking of Chase's 5/24 rule after recently applying for and and getting approved for 7 credit cards (two were Chase's Southwest and Freedom cards) over a 24 month period, I was reluctant to apply.

However, I applied for the card just to see whether or not I would get denied because of their 5/24 rule. After applying, a message came up stating that I didn't qualify for the Sapphire's bonuses, but did I want to continue my application. I clicked yes. I was approved with a 10k initial limit. My current Fico Scores are Equifax 843, TransUnion 835, and Experian 805.

The Chase Freedom and Sapphire share the same product line, so you can't upgrade into one unless an invitation to do so is provided. Usually this is timed based, if the option is available at all. Because these cards are of the same product line, earning welcome bonuses may not/will not allow you to earn bonuses into products of a similar product line. Not all credit card providers are like this. If their pop-up jail promotions state you will not earn welcome bonuses, then trust this is true.

Chase Southwest is from a different product line, and won't factor into this calculation.

As for your 5/24 issue, did you have five inquiries on your profile? If you are only checking one source, you won't know this answer. You check ALL three credit sources, credit karma, MyFico, and anything easily accessible to you to find out how many hard inquiries are being reported, and are handing out. That - is the number you need to know and understand. They do not all share the same information as copy and paste.

I'm going to leave this as final comment about Chase. I love Chase in how generous they are to those that bank and credit card with them responsibility. I leave it at that, and use them for their generous bonuses. I trust that their products are great, but also restrictive. I take them at facevalue. That said, I've found other providers that are less restrictive, and allow for greater opportunities for what I'm looking for.

I will continue to do business with Chase. They are too good not to. But, when dealing with these providers, it's important you know precisely what you are getting, or aren't getting in terms of opportunities. Especially welcome bonuses.

Re: Chase's 5/24 is Gone/Datapoint

JoeRockhead — Mon, 23 Feb 2026 13:49:12 GMT

@Realist wrote:
The Chase Freedom and Sapphire share the same product line, so you can't upgrade into one unless an invitation to do so is provided. Usually this is timed based, if the option is available at all. Because these cards are of the same product line, earning welcome bonuses may not/will not allow you to earn bonuses into products of a similar product line. Not all credit card providers are like this. If their pop-up jail promotions state you will not earn welcome bonuses, then trust this is true.

Chase Southwest is from a different product line, and won't factor into this calculation.

As for your 5/24 issue, did you have five inquiries on your profile? If you are only checking one source, you won't know this answer. You check ALL three credit sources, credit karma, MyFico, and anything easily accessible to you to find out how many hard inquiries are being reported, and are handing out. That - is the number you need to know and understand. They do not all share the same information as copy and paste.

I'm going to leave this as final comment about Chase. I love Chase in how generous they are to those that bank and credit card with them responsibility. I leave it at that, and use them for their generous bonuses. I trust that their products are great, but also restrictive. I take them at facevalue. That said, I've found other providers that are less restrictive, and allow for greater opportunities for what I'm looking for.

I will continue to do business with Chase. They are too good not to. But, when dealing with these providers, it's important you know precisely what you are getting, or aren't getting in terms of opportunities. Especially welcome bonuses.

Maybe it was the late night posting @Realist , but I'm sure you meant to say 5/24 is based on new accounts opened in the past 24 months, not inquiries.

Re: Chase's 5/24 is Gone/Datapoint

Realist — Mon, 23 Feb 2026 15:35:37 GMT

I see I wasn't even remotely clear on intent while mentioning it within my prior comment.

While there can be limitations in the 5/24 rule in regards to opening new accounts, there are certainly limitations on hard inquiries over a rolling 24 month period. Line in the sand denials start to occur once a set number has been reached in casual applications. Are there exceptions? I would say as far as I have experienced, read, and heard from others, no there are not. But, I am open to the concept that maybe - there are rare unicorns out there. I've experienced, and have heard of absurdities occurring before, among situations that would never be considered normal or standard. I just don't count on them as common.

The following quote had me thinking about this, and if it was me knowing this information, I wouldn't have taken the leap to apply for this card casually - only perhaps if it was part of a full on spree. I wouldn't have cared about 5/24 as much, as I would first want to verify those hard inquiries. The hard inquiry worry would/should trump the 5/24 worry as a priority.

"Thinking of Chase's 5/24 rule after recently applying for and and getting approved for 7 credit cards (two were Chase's Southwest and Freedom cards) over a 24 month period, I was reluctant to apply."

I say congratulations on acquiring the card. In this situation, the reward was worth the risk. I myself, wouldn't have attempted it - and that could have been my loss for not even trying. But, that would also be a calculated risk I would be willing to live with.

Re: Chase's 5/24 is Gone/Datapoint

Wavester64 — Mon, 23 Feb 2026 22:22:35 GMT

@ElvisCaprice wrote:
@Antredd wrote:
Thank you. After speaking to the customer service rep and because they would not allow me to convert my Chase freedom over to the Sapphire preferred, I was testing the waters to see whether or not the 5/24 rule applied. So I guess the 5/24 rule doesn't for me at least.
without the SUB. That may have been the final factor for waiving the 5/24.

And those impressive FICO scores!

Re: Chase's 5/24 is Gone/Datapoint

Soundersfan1 — Thu, 26 Feb 2026 01:49:23 GMT

I had something similar happen to me as well, except I chose to decline the card. I might try this with a freedom card bc their not once in a lifetime and I do need a catch all card.

Re: Chase's 5/24 is Gone/Datapoint

youngandcreditwrthy — Fri, 27 Feb 2026 01:13:59 GMT

I honestly think the continued reporting of that 5.24 rule is loco en la cabeza because most of these banks are on algorithms that customer service doesn't even know how to answer to.

furthermore, every chase card I've ever been approved for including 25k marriot card was when I had 7 new cards in 24 months, but I always had 700 ish scores, maybe higher.

Im thinking of at some point testing the waters with Citi co branded cards after every single inquiry falls off my reports. (im very close with 6 on exp, 3 on eq, and 5 on Tu) all 6 months plus old.

Re: Chase's 5/24 is Gone/Datapoint

SeanA — Fri, 27 Feb 2026 22:38:13 GMT

I keep seeing people report conflicting things about this policy...

Re: Chase's 5/24 is Gone/Datapoint

BankDealer — Mon, 02 Mar 2026 19:58:53 GMT

@SeanA wrote:
I keep seeing people report conflicting things about this policy...

My opinion (based on nothing) is that there might be high net worth individuals that get the policy waived, but for others I think they might be miscounting.

Re: Chase's 5/24 is Gone/Datapoint

zerofire — Thu, 05 Mar 2026 17:02:47 GMT

Congratulations on your new found liquidity!

Many people do not understand how 5/24 is applied and as a result have calculation errors. 5/24 only applies when an application is submitted to Chase. Amazon and Southwest have been big about allowing new card members to get around it. It only applies to accounts that are reporting but from all banks. It only applies to the reporting bureau that is looked into. If you are pre-approved then you are allowed to bypass 5/24. The policy is wide and fair but it has plenty of openings to make Chase able to consider the profit twice.