My data points:
-Had a checking and 4 Chase credit cards closed in Nov 2013. My fault, did tons of MS with it. But due to a glitch in their IT system (I think), I managed to transfer out the UR points
-Re-applied for the Ink in ~June 2015, after about a year and a half of being banned from them. I got the 60K points and managed to transfer them to UA before being shut down again
-Applied for two personal cards recently and was declined because of an "unsatisfactory relationship".
Any idea why my Ink was approved recently but the two personal cards werent?
Also, why has nobody filed a class-action lawsuit about the lost UR?