About the publisher

Jason designs, codes, tests, and edits this site. His relevant qualification for this project is software development and maintaining a transparent calculation method. He has personal experience rebuilding credit, but personal experience is not a professional finance credential.

Jason also holds a CADC-II counseling credential. That credential is public for identity transparency, but it is unrelated to credit-card underwriting or financial advice and is not presented as authority for this site's financial information.

Jason is not a financial adviser, credit counselor, lender, attorney, tax professional, or representative of Chase or another card issuer.

The primary tool organizes dates a visitor enters and shows a calendar-based 24-month reference count. The phrase “5/24” describes a community-observed Chase application practice. Chase does not publish it as a guaranteed approval policy.

The site cannot determine eligibility, predict approval, interpret a credit report, or tell a visitor whether to open, close, keep, or change an account. Issuers make their own decisions under current terms and applicable law.