Is “Chase 5/24” an official Chase rule?
No. Chase hasn't published it. The name and the details come from cardholders' reports and can change, so check your own credit reports and the application terms before relying on it.
What counts
New personal credit cards you opened in the last 24 months, from any issuer, not only Chase. Only accounts you successfully opened count; a declined application doesn't.
Loans such as a mortgage, car loan or student loan don't count.
Business cards
Reports say the check can apply when you apply for a business card too, but a business card is usually not reported to your personal credit file, so it doesn't add to the count afterwards. This depends on the issuer and can change; check your own credit reports.
Rune's count leaves business cards out. If one of yours does show up on your personal report, count it yourself.
Authorized user accounts
Reports say authorized user accounts can count if they appear on your credit report.
How to track it
Write down the month you opened each personal card. In Rune, add each card with its application month and the My cards screen shows your count for the past 24 months, and how many more it takes to reach five.
Cards without an application month can't be counted, so Rune flags them.
Track your 5/24 count in Rune
Based on public reporting as of 2026-10. Chase doesn't publish this rule; verify with your credit report before you apply.