The application rules each issuer runs: the Chase 5/24 rule, Amex lifetime language, Citi and Capital One 48 month clocks, and the business card exemption that threads between them. Application order follows from these rules, so start here before applying for anything. Two of these rules are published by the issuer: the Citi 48 month clock and the Amex once per lifetime language. Every other threshold on these pages is observed from applicant reports, and each guide states which it is and where the claim comes from.
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Chase: 5/24, 2/30, business cards and 5/24, reconsideration.
Amex: once per lifetime, pop-up jail.
Citi and Capital One: the Citi 48 month rule, Capital One rules.
Other banks: Bank of America, US Bank, Wells Fargo, Barclays.
Across issuers: every rule ranked, shutdown risk.
All 6 tracked issuer screens ordered by breadth, each quoted verbatim from the live tracker: 5/24 first because it counts every bank.
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The letter that closes every account at once is rare, and almost every documented case shares the same handful of patterns. What triggers a shutdown, what to do in the first 48 hours, and what recovery actually looks like.
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Barclays runs the loosest screen of the tracked issuers: 6 or more new cards from any issuer in 24 months can block approval, but enforcement is inconsistent.
Read the guide →US Bank tends to decline applicants with about 5 or more new cards from any issuer in the past 12 months, a reported 5/12 screen rather than a published rule.
Read the guide →Wells Fargo pays a welcome bonus once every 6 months across the lineup, and re-earning the same card’s bonus takes 48 months from the day you opened it.
Read the guide →Bank of America caps its own cards at 2 in any rolling 2 months, 3 in 12 months, and 4 in 24, and screens all-issuer velocity at 3 new cards in 12 months, rising to 7 with a deposit account.
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Past a certain number of bonuses, Amex stops showing welcome offers: every application runs your profile against the offer before any credit pull, and the engine returns a pop-up instead of a bonus.
Read the guide →Chase runs a quieter speed limit behind the 5/24 rule: no more than 2 personal card approvals in any rolling 30 days, and no more than 1 business card.
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The reconsideration line, 888-270-2127 for personal cards and 800-453-9719 for business, connects a denied Chase application to a human who can reverse it.
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Most business credit cards never appear on your personal credit reports, and Chase 5/24 counts only what those reports show, so business cards usually do not add to your count.
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