When Does Chase 5/24 Reset? Exact Dates

How Does the 24-Month Rolling Window Work?

The 5/24 rule uses a 24-month rolling window — not a fixed calendar year. Every month, Chase looks back exactly 24 months and counts how many personal credit card accounts were opened during that window. As each card passes the 24-month mark, it drops off your count automatically.

The key detail: Chase counts by calendar month, not by exact date. A card opened on March 1, March 15, or March 31 all drop off at the same time — the beginning of the 25th month, which is April of the following year (24 months later).

This means the effective wait is between 24 months and 0 days (if opened on the last day of the month) and 24 months and 30 days (if opened on the first day of the month). Planning around this is essential for timing your next Chase application precisely.

What Does a 5/24 Drop-Off Timeline Look Like?

Here is an example showing how 5/24 works over time for someone who opened 5 personal cards at various dates. The “Status” column shows whether each card still counts toward 5/24 as of March 2026.

Current 5/24 count as of March 2026: 4/24 — The January 2024 card has already dropped off. This person is now eligible for Chase personal cards again. Their next drop-off is April 1, 2026, which would bring them to 3/24.

Use the 524 Tracker to enter your card dates and see your personalized timeline with exact drop-off dates and a countdown to your next eligible application date.

How Do You Calculate Your Exact Drop-Off Date?

To calculate when a specific card drops off your 5/24 count:

1. Find the month and year the card was opened (the exact day does not matter)
2. Add 24 months to that month
3. The card drops off on the first day of the following month

Example: A card opened July 15, 2024 → July 2024 + 24 months = July 2026 → drops off August 1, 2026.

You can find your card opening dates on your credit report at AnnualCreditReport.com or in the original approval email from the issuer. The 524 Tracker automates this calculation for all your cards simultaneously.

What Should You Do While Waiting for 5/24 to Reset?

The waiting period while over 5/24 does not need to be idle. Here are the highest-value actions during this time:

• Apply for business cards — Chase Ink, Amex business, and Citi business cards do not count toward 5/24 and offer excellent bonuses
• Pick up non-Chase personal cards — Amex Gold, Amex Platinum, Citi Premier, and Capital One Venture X do not have 5/24-style restrictions
• Remove authorized user cards — If AU cards are inflating your count, request removal from the primary cardholder and dispute with credit bureaus
• Plan your Chase applications — Decide which Chase cards you will target once you drop below 5/24, and have applications ready to submit

See the full list of cards that don't count toward 5/24 for more options during the waiting period.

How Does Authorized User Removal Work for 5/24?

If authorized user (AU) cards are pushing you over 5/24, you may be able to lower your count by having those accounts removed from your credit report. The process:

1. Ask the primary cardholder to remove you as an authorized user by calling the issuer
2. Dispute the account with each credit bureau (Equifax, Experian, TransUnion) to have it removed from your report
3. Wait for the update — bureau updates typically take 30–45 days
4. Verify removal by pulling a fresh credit report before applying for a Chase card

If you are denied by Chase and an AU card was the reason, calling Chase's reconsideration line at 1-888-270-2127 and explaining the situation has historically resulted in approvals for some applicants. This is not guaranteed but is worth attempting.

Frequently Asked Questions