This 5/24 rule is devastating. The CC companies definitely found our Achilles. I JUST started churning last month where I opened 4 cards and just 1 was a Chase. I'm worried because I did open 1 in Feb (barclays arrival) before I started churning, so I'm pretty much locked out of Chase until 2018. This is terrible. The only way I can think to get around is to spread out the churns with the wife, but still 5/24 is terrible. 10/24 would be more reasonable, but then again, I can't blame them, they came down hard and fast.