Chase and other credit card issuers are looking for spend patterns and credit requests that fit the profile of a person scrambling for funds before defaulting. A huge red flag is applying for lots of credit, like we do, because many people who are spread too thin will use credit cards as a quick and easy fix to pay bills and buy them some time. Add MS to that mix, if indeed they did or do, and you have a profile that appears as a headlong gallop into debt or bankruptcy, using Chase as the piggy bank.