Bring your wallet up to date from your credit reports

What you end up with

• Every card in your wallet carries the open date the bureaus have on file.
• Cards you closed in the last two years are in the wallet as closed, with the real close date, so they still count toward 5/24 the way an issuer counts them.
• Cards you forgot you opened are added.
• Your 5/24 count on the wallet page matches what a Chase analyst would see.

Before you start

1. A Miles account with your cards entered. The reports fill in dates; they do not name products. "JPMCB CARD" on a report could be any Chase card. The matching goes faster when the wallet already lists what you hold.
2. Miles connected to your AI app, with changes allowed. Follow the steps on Connect. On the approval screen, turn on Also allow changes to your wallet. It is off by default, and Claude Code and ChatGPT do not ask for it on their own. Without it your AI can read the wallet and tell you what to change, but it cannot make the changes. Everything in this guide uses the free tools; Membership is not needed.
3. An AI app that can read PDFs. Claude (the app or Claude Code), ChatGPT, and Codex all can.

What leaves your device at each step, and what never does: Your data and your AI.

Step 1: Pull the reports

Go to annualcreditreport.com, the site the three bureaus are required to run. Request all three: Experian, TransUnion, and Equifax. Each one is free once a week.

Pull all three for each person in your household. A card can appear on one bureau and not another, and only TransUnion reliably shows a close date and the credit-limit history that identifies which product a line was.

Save each report as a PDF (print to PDF from the browser works). Name them so the AI can tell them apart, for example 2026-08-31_Experian_Andy.pdf.

Step 2: Hand the reports to your AI

Attach the PDFs to a conversation in the AI app where Miles is connected, or point an agent like Claude Code at the folder. Then paste this:

Your report never reaches Miles. The AI reads it on your device or in the AI app, and sends Miles only card names, dates and status.

Step 3: What the AI does

A well-behaved AI follows this sequence. If yours skips a step, ask for it by name.

Reads the wallet with closed cards included. The wallet summary hides closed cards by default. 5/24 counts them, so the AI needs to ask for closed cards too. If the AI reports "no closed cards", ask it to look again with closed cards included.

Reads a baseline 5/24. That is the number you compare against at the end.

Extracts the lines. The three bureaus lay out the same facts differently. Experian stacks labels over values. Equifax writes "Date Opened: MM/DD/YYYY" on one line. TransUnion puts the label on one line and the value on the next, which is why a first pass on a TransUnion report sometimes comes back empty. The AI should filter to credit cards opened in the last 24 months; mortgages and loans do not count.

Matches lines to cards. Bureaus report the lender that furnishes the data, not the product. Common ones:

The report will not say which Chase card a JPMCB line is. The AI works it out from the open date next to the wallet, the credit limit, and any annual-fee-sized payment in the history. Expect it to ask you about one or two lines. Answer from memory or from the card in your hand.

Proposes, then writes. Look for three kinds of change in the table it shows you:

• Open date corrections. The bureau date is the account-open date; the date you remember is often the approval date, one or two days earlier. A day or two does not matter. A month does: it moves the day the card ages out of the window.
• Closed cards to add. The most common find. A card you closed, or an issuer closed for you, that never made it into the wallet. It still counts toward 5/24 until 24 months after it opened, so it goes in as closed with both dates.
• Cards you forgot. Less common, but a report is the one place they show up.

Step 4: Decide the edge cases

The AI will bring these to you. There is a right answer for each.

Business cards. Most issuers do not report business cards to your personal credit file, so they do not appear on the reports, and Miles already leaves them out of 5/24. Nothing to reconcile. If a business card does show up on a report, that issuer reports it, and it should be in the wallet.

Authorized-user cards. They appear on your report under Responsibility: Authorized User. Chase counts them toward 5/24 by default, and a reconsideration call can sometimes get them removed. Wells Fargo counts them and will not remove them. If you add them, set the holder type to authorized user so Miles knows what they are. Today the wallet page counts an authorized-user card toward 5/24 only when that card is itself a Chase card (a fix is tracked). For the on-paper number, read the AI's table: your count is higher by every authorized-user line inside the window. If you would rather not enter every card a family member added you to, skip them and remember that gap.

A card the issuer moved to another bank. When a portfolio changes hands (Barclays to Citi, for example), the reports show the old card as closed. A new line from the new issuer may appear later, or never. Record the old card as closed on the date the report gives. Do not add a second card for the new issuer until a report shows one, or you will count it twice.

Product changes. Same issuer, same account, new product. The report shows one line with the original open date. The wallet card should carry that original date, and the product change goes in its history. Ask the AI to record the product change rather than add a new card.

Lines the AI cannot match. Usually a card you no longer hold and never entered. Add it as closed. If you are not sure what it was, the open date and the issuer are enough for 5/24; the product name can stay approximate.

Step 5: Check the count

Ask the AI for your 5/24 status, or open the wallet page. The eligibility panel shows all five recent-card rules against the same dates: Chase 5/24, Wells Fargo 5/24, Barclays 6/24, Bank of America 3/12, US Bank 5/12. In a household, each person gets their own count.

Two lines to read under the figure:

• Cards with no open date. Any card still missing a date is counted as a range, not a number. After a reconciliation this should read zero. If it does not, the Add open dates link takes you to the cards that need one.
• Business cards excluded. The count of business cards Miles left out.

Then ask the question this was all for: "When does my oldest in-window card age out?" That is the month a slot opens.

Without an AI app

You can do everything above by hand.

• One card's open date: open the card on the wallet page and edit Opened.
• Many open dates at once: the open-dates step lists every undated card on one screen.
• Closing a card with its real close date: the card page can mark a card closed as of today. To record a close date in the past, or to add a card that is already closed, use the spreadsheet import: a sheet with card name, cardholder, date opened and date closed. You review every row before anything saves, and an import can be undone for 30 days.

When to do this again

Reports are free weekly, but the dates on them only change when you open or close something. Once a year is plenty, plus once before a Chase application if you have closed anything since the last pass. When an issuer closes a card for you, or moves it to another bank, pull TransUnion and record the close date; that is the line most wallets are missing.