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Credit Karma has a new website and here’s a super simple guide to checking your 5/24
Like many, I use CreditKarma to keep an eye on my credit score, fraud, etc. But, I also use Creditkarma for a quick and free way to keep tabs on my 5/24 number ( Chase’s restrictive policy towards new accounts). I happened upon a new website for creditkarma and as a result the tutorial for finding new accounts has changed slightly. I thought I’d give a refresher so you can quickly and easily find your 5/24 number.
Log in and select “view more details” on either your Transunion or your Equifax score
You’ll see your credit factors pop up. You may be tempted to view Total Accounts; however, Credit Age is where you want to go.
You’ll see Open Accounts and on the far right ( all accounts ). First look for any open accounts under 2 years.
I had 4 open accounts under 2 years. But, remember, both open AND closed accounts affect your 5/24 status.
Click on “View All accounts” to see your closed accounts. You want to focus on closed accounts in the last 2 years – starting with the most recent.
The reason I start with the oldest card is because I never keep a card less than 1 year. So if I closed a card in May of 2016, the odds are that I opened that card before June of 2015 are almost 100%. It’s October now…or over 2 years since I would have opened the card. If you don’t hold cards for a year ( I’d change that habit ), but I’d do a thorough search of all your closed accounts in the past 2 years.
I closed a card Mar 7, 2017.
After expanding it, I can see that the card was opened 2/11/16 – this one puts me at 5/24. If I want to see what my total number is, just repeat the process until you hit the 24 month mark. Luckily this is the only closed account I have that would fall under 5/24.
As you’ll notice…most business cards you have open do not show up on this list. BONUS!
Additionally, Chase business cards don’t count against your 5/24 number either. Neither do Amex, or Citi.
Hope this helps you stack up those points and put you here!
Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers