5/24 is the rule everyone knows. It's not the only one that gets you denied. ArcList's Momentum reads your card history and tells you exactly who you can apply to next — across every issuer.
Free. No card numbers, ever.
The 5/24 rule is Chase's unwritten policy: if you've opened 5 or more personal credit cards across all banks in the past 24 months, Chase will almost always deny your application — no matter how good your credit is.
It counts almost every personal card from any issuer, not just Chase. Most business cards don't count toward your total (though a few do). The clock is rolling: each card "falls off" exactly 24 months after it was opened, so your number changes every month on its own.
It's the rule everyone learns first — because it's the one that denies the most people. But it's only the front door.
Every issuer guards its bonuses differently, and each rule is tied to a different date in your history:
Amex once-per-lifetime. You can earn each card's welcome bonus only once, ever — apply again and you get the card with no bonus. There's also 1/5 and 2/90 limiting how fast you can be approved.
Capital One 1/6. Generally one new card every 6 months, and they're strict on applicants with lots of recent accounts.
Bank of America 2/3/4. Tiered limits — 2 cards per 2 months, 3 per 12, 4 per 24 — stacked on top of their own internal cutoffs.
Citi 1/8 and 2/65. One application every 8 days and no more than 2 in 65 — even when 5/24 says you're fine.
Add your cards once. Momentum already knows every issuer's rules and reads each open date.
See your status against every rule. Your 5/24 count, Amex lifetime flags, Capital One and BofA cooldowns — all calculated from your own dates, updating themselves as cards age out.
Know who you can apply to next. "Clear for Chase. Wait until Apr 15 for Citi." — before you ever hit submit.
We never ask for card numbers or logins to your bank. Just the cards and dates you tell us — Momentum does the rest.
A denied app is a hard pull for nothing — and a 30-day wait to reapply. Worse is the rule you forgot: burn an Amex once-per-lifetime bonus by applying a second time and that bonus is gone for good. Tracking all of this by hand isn't optional; it's just tedious. So we made it not your job.
Takes 2 minutes. We remember so you don't have to.