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Home » Uncategorized » How to use CreditKarma.com to see when you opened accounts
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How to use CreditKarma.com to see when you opened accounts

Miles August 24, 2016 3 Comments

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. Monkey Miles is also a Senior Advisor to Bilt Rewards Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


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 columnHow to use CreditKarma.com to see when you opened accounts

You’ll then see your credit scores pop up

How to use CreditKarma.com to see when you opened accounts

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.

Screen Shot 2016-08-24 at 12.35.21 PM

You can now start counting backwards

How to use CreditKarma.com to see when you opened accounts

Ya…gonna be a little bit before I’m under 5/24

 

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Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers.

 


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About Author

Miles

This Monkey didn't get the name Miles for nothing. I might look like an innocent little furball, but I am a Points and Awards BEAST!! Follow me around the world to see how I fly in lie flat seats and sleep in 5* suites for pennies on the dollar.

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3 Comments

  1. Shaun Reply
    August 24, 2016 at 4:05 pm

    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.

    • Miles Reply
      August 24, 2016 at 4:23 pm

      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?

  2. Pingback: MMMondayMemo: What Factors determine your credit score? - Monkey Miles

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