Originally Posted by rdover1

The closure risk seems to be clearly coming from the banking side 'risk prevention' depts and not the CC side. But once flagged it all falls.

What the different experiences tell me is that the 'risk prevention' group are running systematic soft pulls against an algorithm and identifying accounts for review. Low usage on Chase doesn't matter. (Mintcilantro and TheHawk's cases both back this up) It is what else they will see on your credit report:

1) Total CL to stated income.
2) # of lines extended.
3) Total credit currently used.
4) Frequency of new account creation.
5) Average lifetime of accounts.

All of which are easy to fall foul of when doing multiple AOR, or holding more cards than what is typical for most consumers (around 7, I believe). Any of these are considered irregular activity and represent risk. And they're being much stricter that ever before.

Based on learning from FT I don't bank with Chase and have no intention of starting, even with $2-400 signing bonuses on offer.