We may receive a commission when you use our links. Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. We appreciate you using our links!!!
How to use CreditKarma.com to see when you opened accounts
There has been a lot of chatter lately about Chase’s supposed 5/24 rule. If you aren’t familiar with 5/24, it restricts you from getting an approval on a new Chase card if you’ve opened more than 5 cards in the last 24 months. Is it enforced? Who is it enforced on? The debate could go on and on, but the thing we do know is that there is some of evidence to support applications being denied due to recently opened accounts. So how do you see how many applications you’ve opened and when you will dip back below the 5/24 threshold? I use creditkarma.com to keep an eye on my credit and I’ll show you how to use creditkarma.com to see when you opened accounts.
If you don’t have a creditkarma account…get one, it’s freeeeee!
You should be keeping an eye on your credit and this is my go to site to do just that. If you have one already, good on ya. If not…stop reading and sign up.
Log in: Check out the left column
You’ll then see your credit scores pop up
Click on either report, I clicked on TransUnion. Organize by Open date
While inquiries won’t show up on individual reports unless pulled, opened accounts will who across the board.
You can now start counting backwards
Ya…gonna be a little bit before I’m under 5/24
Capital One Venture X
Learn More
Capital One lit the premium card market on fire when it dropped this card. It quickly was added to our wallet for the following reason!
♥ Earn 100k Bonus Points after $10k Spend in 6 months
♥$300 Annual Travel credit within Capital One Travel Portal
♥2x on every single purchase without limit
♥10x on hotels and car rentals purchased via Capital One Travel
♥5x on airfare purchased within Capital One Travel
♥Erase any travel purchase off your card at a penny a piece with Capital One Travel Eraser
♥Lounge access:
- Access to the Capital One lounge network
- Priority Pass access ( including restaurants for you and two guests ) Authorized Users have access as well
♥ 10k Anniversary Miles every year you keep the card – worth $100 in Capital One Travel or transferred to partners
♥$395 Annual Fee
If you spend more than $400 a year on travel, you’ll quickly offset the annual fee with the $300 travel credit and 10k anniversary bonus. The rest is gravy. And you can add up to 4 Authorized Users fee free!
Learn More
Does the 5/24 count non-Chase cards? I just applied for the Reserve card in-branch and was approved $35,000 limit. Since September of 2014 I’ve applied (& been approved) for 1 Baclays, 4 Amex, 1 Chase, 1 Pnc, & 2 Citi cards. That’s 9/24. Only 1 of those was in the last 12 months though. I have some cash on deposit there, but not Private Client. Just wondering if the 5/24 is somewhat subjective based on banking relationship and when those 5 cards were applied for in teh 24 month period.
Hey Shaun – great question and CONGRATS!!!!!!…so 5/24 counts on all opened accounts not those limited to Chase. However, if you have business cards outside of Chase ( because they can obviously see those opened with Chase ) it appears that they don’t count – at least those from Amex. But wow man, great going! Did you use the pre-approval technique?