Chase 5/24 Authorized Users
The Chase 5/24 rule is probably the most written about rule in the hobby (our guide on it here ) but it seems like things may be shifting with Chase. A month, or so, ago Chase lifted 5/24 on some of their cards. This worked for almost everyone on Amazon and then select people on other co-branded cards. An interesting twist for sure but now something new is cropping up with Chase. It appears Chase 5/24 authorized user procedures have changed. In the past you could inform the Chase rep on the recon call that some of your cards were authorized user accounts and they would remove them and then approve you. Lately, people have been told that it doesn’t matter during recon and they count the same. Most of the data points are dealing with Chase Business Ink cards.
In the past few weeks / months I have seen a few reports of Chase saying authorized user accounts do in fact add to Chase 5/24. There were comments on some articles, data points in our Facebook Group and now a few new reports of it in the Travel on Point(s) Facebook group.
What Does This Potential Change Mean?
It looks like going for those Amex authorized user bonuses are no longer as safe as we thought. At least if trying to stay under Chase 5/24. If it is a business account authorized user it should still be fine since Chase does not count business cards towards Chase 5/24. On the personal side it doesn’t seem to be as safe of a bet.
That is unless you don’t mind going through the work of getting them removed from your credit report and then applying. I think that is still an option that should still work. But that requires contacting the credit bureaus and filing a dispute etc. which can be a pain. And there is no guarantee they will.
Chase 5/24 Authorized User – Final Thoughts
We still need more data points to see if this is an issue with a few reps or a change of procedure. If you have run into anything similar please let us know in the comments below. Share your positive, or negative, data points. Let us know what your Chase 5/24 number was with authorized users included when you applied, if it was a personal or business card you applied for and what the Chase rep said during recon (if needed). Also let us know if any of the authorized user cards counted had been previously closed etc. and were still included in the count.
If this Chase 5/24 authorized user change is in fact new procedure that is an annoying change for sure. Authorized user bonuses are often easy points and can be pretty lucrative. Losing an option for securing these would be a loss for sure.
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Can you please explain what date is taken into consideration for the 5/24 rule…is it the date the account holder opened their account or the date you were added as an AU?
For example, if my husband opened an account 3 years ago but just added me this year an AU, will that count towards my 5/24 ruling or is it exempt since the account is over 2 years old?
I believe it is date added as an AU
I’ve had recent success secure messaging Chase to remove closed AU accounts from mine and P2 credit reports. I wish Amex was as easy and didn’t require a special phone call to a number only open during business hours.
Why are you reporting this as new?
Chase counted A/U since the beginning of 5/24. Did they stop for a time?
You could always get them to remove them and reprocess them until recently
Whst is the 5/24?
Here is an article (linked above too) that explains it in detail.
https://milestomemories.com/chase-5-24-rule-guide/
I encountered this. I applied for the Chase Business Ink Unlimited last month. I was denied because they counted an authorized user account as part of the 5/24 rule. When I called their reconsideration line to not count the authorized user account, for some unknown reason they still couldn’t approve me…they recommended removing myself as an authorized user and then calling the credit report bureaus to remove it off my credit reports. I haven’t done that yet, but hopefully once I do I’ll be approved!
Let us know how it goes Andy
I guess there’s going to be another hard inquiry when you call Chase again for recon? Did they mention how many days you have to do this?
Shouldn’t be if it is within 30 days
If i apply for a business card but they still check my personal credit history, does that business card now count towards my 5/24 since they did an inquiry on my personal credit score? Thank you.
Nope
Thank you.
Nope a Chase business card (most business cards) do not add to your 5/24 count.
Thank you.
I’ve removed my wife as an authorized user on two of my Chase cards over the last year and both times the accounts disappeared from her credit reports as soon as the billing cycle closed.
Nice – I hope that is how it works for most. I know others still have them on their account for some reason.
Mark, Chase is using the 5/24 rule to deny credit limit increase requests. My wife was denied a request expressly based on the rule. Upon reconsideration, the same answer was given. Letters expressing the 5/24 are reason for the denial were sent. When talking with the CPC and business relationship managers, they both said that the 5/24 rule does not apply to credit limit increase requests. In spite of the letters, they investigated. And, in spite of the letters, the new answer was that my wife had too many credit inquiries. In fact, she has only two in the past 12 months. Not certain what’s going on but something is going on.
That is pretty strange. Can she move credit from one account to another in the meantime? Or did you need an overall boost?
Overall boost. The branch CPC and business reps are left scratching their heads.
Also, we’ve put $80k per year on the card in 2020 and 2021. No automatic credit limit increase either.
“That is unless you don’t mind going through the work of getting them removed from your credit report and then applying. I think that is still an option that should still work. But that requires contacting the credit bureaus and filing a dispute etc. which can be a pain. And there is no guarantee they will.” <–It would be useful to get a dedicated post walking through this process, it's not something I am very familiar with
I don’t think we have anyone on the team that has had to do it but I’ll check.
I don’t remember where I got this, but had it saved in a file timestamped 9/2015. I went through this process in the early days of 5/24 after having added my wife as an AU on about 15 of my recent cards, and back then, it worked:
Question: How to remove an authorized user account from your credit report?
Answer:
If you are the authorized user, there are two ways you can remove an authorized user account from your credit report. First, you can ask the credit card issuer to remove you from the account and also request that they stop reporting to the credit bureaus. Once you’re taken off the account, that account will no longer be included on your credit report. It could take a month for the update to take place.
The second way to remove an authorized user account from your credit report is to dispute ( http://credit.about.com/od/creditreportscoring/a/disputereport.htm ) the account with the credit bureau. Use this as an alternate step if you can’t get the credit card issuer to remove you from the account.