Adding your cards

Everything ChurnLogic does starts from the cards you already hold and when you opened them. That single fact, the open date, drives your 5/24 count, your issuer cooldowns, and which cards you're eligible for. There are three ways to get them in.

1. Quick add (fastest)

Pick a card from the 70-card catalog and set its open date. You can set the date as precisely as you know it: an exact day, just the month, or just the year. ChurnLogic handles the imprecision correctly, so "sometime in 2024" still produces safe, conservative 5/24 math rather than a wrong-but- confident answer. If a card carries a signup bonus, a minimum-spend tracker is created automatically.

2. Full card setup

The setup flow walks through your whole wallet at once, including business cards (which mostly don't count toward 5/24) and custom or store cards that aren't in the catalog. Business cards can be tagged with the entity you applied under, so the engine reasons about them separately from your personal 5/24 slots.

3. Import a credit report

Upload a credit report PDF and ChurnLogic reads out your accounts, open dates, and current 5/24 standing automatically, then lets you match each detected account to a catalog card.

Why the open date matters so much

A card opened in May 2024 drops off your 5/24 count on June 1, 2026, not a day sooner or later. Miscounting by one is the single most common reason people get denied by Chase. ChurnLogic computes every one of these dates from your actual open dates so you never guess.

Next: how the recommendation engine works.