After you Draw or Trade, you end your turn by discarding onto your Trade pile. You may not hold more than 10 cards in your hand when you end your turn. You must discard excess cards, of your choice, onto your Trading Pile. If you have more than one color-group, each must be complete, and, 2. A Chance card may be substituted for a missing Property card or a House or Hotel card in order to complete or extend a Monopoly color-group.
Chance can also represent a token.
Only the player who lays down may use Chance in this way. If you began your turn with more than 10 cards in hand, because an opponent traded with you, you can discard the excess to your Trade Pile and still lay down on the turn. This player's final hand could, therefore, be as long as 15 cards. Any Bonus card drawn may be added, as can House or Hotel cards if in proper sequence. A new Monopoly color-group might even be drawn.