Planning Tool

Application Velocity Calculator

Figure out exactly how many cards you can apply for and when. Factor in 5/24, cooling periods, and bank-specific rules.

Based on Real Data Community Verified Updated for 2026

Your Profile

720

Current Credit Score

580 850

Cards Opened in Last 24 Months (Your 5/24 count)

This is your 5/24 count

Hard Inquiries (Last 6 Months)

Cards Opened in Last 30 Days

Target Banks

Chase

AMEX

Bank of America

US Bank

PNC

Truist

Wells Fargo

Capital One

Citi

Discover

Barclays

Navy Federal

Synchrony

Your Goal

🎯

Maximize Approvals

Apply strategically for best odds

🛡️

Minimize Inquiries

Space out applications carefully

🏦

Target Specific Banks

Focus on your priority issuers

Your Personalized Plan

5/24 Status

3/5 slots used

Safe to Apply

3 cards this month

Risk Level

Low

Get Your Full 6-Month Timeline

Your optimal application sequence is ready. Enter your email to unlock the complete timeline with specific dates, bank-by-bank tips, and PDF export.

Full 6-month timeline Bank-specific tips PDF download

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6-Month Application Timeline

Key Rules to Know

📊

5/24 Rule

5 new cards in 24 months = Chase denial. Count ALL banks, not just Chase.

⏱️

2/90 Rule

AMEX limits 2 new cards per 90-day window. Plan your AMEX apps together.

📅

30-Day Rule

Most banks flag applications within 30 days of each other. Space them out.

🔍

Inquiry Sensitivity

6+ hard inquiries in 12 months raises red flags. Freeze unused bureaus.

Track Your Applications with StackEasy

Monitor your 5/24 count, inquiry history, and application timeline in one dashboard.

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