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
1
Your Profile
720
Current Credit Score
2
This is your 5/24 count
1
0
2
Target Banks
Chase
AMEX
Bank of America
US Bank
PNC
Truist
Wells Fargo
Capital One
Citi
Discover
Barclays
Navy Federal
Synchrony
3
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
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.
14-day free trial. No credit card required.