29d • General Discussion
🔑 Chase Has an Internal Velocity Rule That Will Get You Auto-Denied Even With an 800 Score
Chase follows what's known in the funding world as the 5/24 rule. If you've opened 5 or more new credit accounts across ALL banks in the last 24 months, Chase will automatically deny you for most of their cards. Doesn't matter if your score is 820 with perfect payment history. Doesn't matter if you already bank with them. The system flags you before a human ever looks at your application. This catches a lot of people off guard, especially those in the middle of credit card stacking for business funding.
Here's where it gets interesting. Certain Chase business cards have been known to bypass 5/24 in some cases, and authorized user accounts can sometimes be removed from your 5/24 count by calling reconsideration. But the smartest move is planning around it. If Chase is part of your funding strategy, and it should be because they offer some of the highest credit limits in the game, you need to hit them FIRST before you start opening accounts elsewhere.
Here's the play 👇
✅ Always apply for Chase cards early in your stacking sequence, ideally when you're at 0 to 2 out of 24
✅ Check your credit reports to count every new account opened in the last 24 months including store cards and authorized user trades
✅ If you're over 5/24 right now, wait for older accounts to age out past the 24 month window before applying
Have you run into the 5/24 wall before, or did you plan around it? Drop your experience below.
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🔑 Chase Has an Internal Velocity Rule That Will Get You Auto-Denied Even With an 800 Score
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