Ask Sebby has a pretty good article about the rules with Chase. A lot of the typical 5/24 cards can actually bypass that rule with In branch pre approval.
Don't know if it's still the case but when Chase implemented the 5/24 rule, all green checkmarks in the My Offers section bypassed it. I received both my CFU and CSP while well over 5/24.
The Chase 5/24 rule isnt an actual "rule". It's a collection of data points people put together via forums/blogs. Therefore Chase has never publish any sort of rule and plenty of people (although not a lot) have bypassed it.