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A couple days ago I wrote a post clarifying the Chase 5/24 rule and it’s relationship to small business credit cards. A reader asked the following question in the comments:

“How do I figure out if I can apply for the United Explore Card under the 5/24 rule. I didn’t keep track of when I applied for the various cards I have. Is there a quick and easy way to see if I am under the 5/24 rule?”

Yep, thankfully there is a quick and easy way.

Checking your Chase 5/24 Count, Step-by-Step

  • Step 1: is an easy and free resource for checking your 5/24 count. If you don’t already have an account, create one here, and once you login click on the Credit box listed below your estimated credit scores.

  • Step 2: Click the Credit age box on the following page.
  • Step 3: You will be shown a list of open accounts and how old they are. Count the number of accounts that are younger than two years. Note that this list will only show open accounts, so if you’ve opened and then closed any credit cards in the last two years, those accounts will not show up on this list.
  • Step 4: To find the rest of the cards that count in your 5/24 total (the closed accounts opened within the last two years), go back to the original page displayed after logging in, and instead of clicking Credit, click Accounts.
  • Step 5: Scroll dow and click the “Show (x) Closed Accounts” link below the list of open accounts.
  • Step 6: An additional list will pop up, and clicking on an individual account will show when you opened it. Count the accounts you opened in the last two years and add them to the previous total you just counted. That is your Chase 5/24 count.


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