Episode Details

Chase’s hidden 5/24 rule still stops most applicants: if you’ve opened five or more credit cards from any bank in the last two years, Chase will likely deny your application—even with good credit. It counts all new accounts, including authorized users, but business cards usually don’t count. Frustrated applicants are finding workarounds like special offers, in-person branch applications, or business cards—but approval isn’t guaranteed. Know your credit history before you apply.

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