Last edit by: StartinSanDiego
This thread is now closed.
Please continue the discussion here:
https://www.flyertalk.com/forum/chase-ultimate-rewards/1986148-chase-shut-downs-credit-card-account-closures-data-tales-speculation-2019-a.html
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This thread is for discussion of issues with transfers of UR points directly into someone else's UR account.
There is a separate thread to discuss transfers of UR points to someone else's hotel or airline loyalty program account: Official: No UR points to another person's airline or hotel account
Please continue the discussion here:
https://www.flyertalk.com/forum/chase-ultimate-rewards/1986148-chase-shut-downs-credit-card-account-closures-data-tales-speculation-2019-a.html
================================================== ================================================== ===============================
This thread is for discussion of issues with transfers of UR points directly into someone else's UR account.
There is a separate thread to discuss transfers of UR points to someone else's hotel or airline loyalty program account: Official: No UR points to another person's airline or hotel account
Chase closed my Sapphire Preferred account due to transfers to other UR accounts.
#1
Original Poster
Join Date: May 2008
Location: DCA
Programs: AF/KL: FB Gold, A3 *G, DL GM, Hilton Gold, Hyatt Plat, SPG Gold, Marriott Silv, IHG Plat Ambassador
Posts: 53
Chase closed my Sapphire Preferred account due to transfers to other UR accounts.
Seems due to Ultimate Rewards transfers from my family members has resulted in Chase canceling my Sapphire Preferred Card. All of my other cards remain open but I am wondering if anyone has any advice on what to do (if anything) and just a warning that apparently transferring points to another person's account could result in account termination.
The agent made it clear that they would NOT reconsider reopening the account, and that they stated in the T&Cs that I could only transfer to and from my spouse and no one else. Unclear whether my points will be forfeited, but I have transferred them out to Hyatt & United and hope they won't be confiscated.
The agent made it clear that they would NOT reconsider reopening the account, and that they stated in the T&Cs that I could only transfer to and from my spouse and no one else. Unclear whether my points will be forfeited, but I have transferred them out to Hyatt & United and hope they won't be confiscated.
#2
Join Date: Nov 2007
Location: PHX
Posts: 4,787
Wow -- I did not even know that was part of the T&C. I thought it was totally permitted. Seems to me that this thread is an important one, since I presume I'm not the only one who didn't understand this. Admittedly, it's everyone's responsibility to know the terms, but when you go to transfer points, it certainly doesn't mention any restriction. Sure enough, though, the T&C do indeed seem to suggest it's not permitted:
• You may transfer Ultimate Rewards points to any other eligible credit card or debit card with Ultimate Rewards earning points, and rebates earned to a credit card earning in rebates. “Rewards” in this section means points or rebates, as applicable.
• To determine if you are earning in points or rebates, see the “Ultimate Rewards” section of your credit card statement.
• Transfers may only be used to combine rewards belonging to the same individual or business in the Program; or for the purpose of enabling spouses or domestic partners to combine rewards earned in their respective names.
• If either the transferee’s or your credit card account(s) or checking account(s), as applicable, are in default at the time of the transfer, Chase will not make the transfer.
• Once rewards are transferred, they cannot be credited back.
• You may transfer Ultimate Rewards points to any other eligible credit card or debit card with Ultimate Rewards earning points, and rebates earned to a credit card earning in rebates. “Rewards” in this section means points or rebates, as applicable.
• To determine if you are earning in points or rebates, see the “Ultimate Rewards” section of your credit card statement.
• Transfers may only be used to combine rewards belonging to the same individual or business in the Program; or for the purpose of enabling spouses or domestic partners to combine rewards earned in their respective names.
• If either the transferee’s or your credit card account(s) or checking account(s), as applicable, are in default at the time of the transfer, Chase will not make the transfer.
• Once rewards are transferred, they cannot be credited back.
#3
Join Date: Feb 2011
Location: Jersey City, NJ
Programs: UA GS, AA Exec Plat, Bonvoy Ambassador, Hyatt Globalist
Posts: 348
Wow -- I did not even know that was part of the T&C. I thought it was totally permitted. Seems to me that this thread is an important one, since I presume I'm not the only one who didn't understand this. Admittedly, it's everyone's responsibility to know the terms, but when you go to transfer points, it certainly doesn't mention any restriction.
I had no idea you couldn't do this. I was planning on doing UR transfers to my mom and sister this weekend.
#4
Join Date: Dec 2010
Location: Indianapolis
Programs: Hilton-Diamond Lifetime Platinum AA UA, WN-CP, SPG Gold.
Posts: 7,377
My wife does not have my last name, and we are married have been for many years...We do live at the same address....
#6
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
#7
Join Date: Aug 2011
Location: Chicago
Posts: 231
Seems due to Ultimate Rewards transfers from my family members has resulted in Chase canceling my Sapphire Preferred Card. All of my other cards remain open but I am wondering if anyone has any advice on what to do (if anything) and just a warning that apparently transferring points to another person's account could result in account termination.
The agent made it clear that they would NOT reconsider reopening the account, and that they stated in the T&Cs that I could only transfer to and from my spouse and no one else. Unclear whether my points will be forfeited, but I have transferred them out to Hyatt & United and hope they won't be confiscated.
The agent made it clear that they would NOT reconsider reopening the account, and that they stated in the T&Cs that I could only transfer to and from my spouse and no one else. Unclear whether my points will be forfeited, but I have transferred them out to Hyatt & United and hope they won't be confiscated.
#9
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
#10
Join Date: Jun 2011
Programs: DL, Amex MR
Posts: 287
The OP's comment was about UR to UR account. I have a question for UR to airline or hotel program.
Can one transfer UR points to someone else's airline or hotel account without facing the risk of shutdown?
Can one transfer UR points to someone else's airline or hotel account without facing the risk of shutdown?
#11
Join Date: May 2008
Location: PHL (kinda, no airport is really close)
Programs: AA Exp, but not sure for how long. Enterprise Platinum woo-hoo!
Posts: 4,550
I had no trouble in the past transferring points, but when I tried last week, I was told the policy was now being enforced.
But how could Chase shut down an account for things they had actually facilitated? You can't transfer points without calling Chase.
This is a bit like asking a cop if you can park in a certain space, he says yes, then he gives you a ticket for parking illegally.
But how could Chase shut down an account for things they had actually facilitated? You can't transfer points without calling Chase.
This is a bit like asking a cop if you can park in a certain space, he says yes, then he gives you a ticket for parking illegally.
#12
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,041
I had no trouble in the past transferring points, but when I tried last week, I was told the policy was now being enforced.
But how could Chase shut down an account for things they had actually facilitated? You can't transfer points without calling Chase.
This is a bit like asking a cop if you can park in a certain space, he says yes, then he gives you a ticket for parking illegally.
But how could Chase shut down an account for things they had actually facilitated? You can't transfer points without calling Chase.
This is a bit like asking a cop if you can park in a certain space, he says yes, then he gives you a ticket for parking illegally.
But those could still be checked internally for matching addresses by the system before allowing you to proceed.
#13
Join Date: Nov 2007
Location: PHX
Posts: 4,787
My read of the T&C are that it is permitted, and I know people do it all the time, but you should read the terms yourself and make your own conclusion. Sounds like Chase is starting to get aggressive.
#14
Join Date: May 2012
Posts: 221
Reading all these threads makes me think the latter.