Originally Posted by
Superorb
There's no way this was random, but I'm glad you're in the clear now.
Exactly. Banks don't do random reviews by dedicated teams.
What Chase told you is spurious. No bank suspends a customer's cards for a "random periodic review." A review can take place while cards are active. The sole reason for suspension is suspicion of aberrant activity, to lessen any damage. I'm not saying you did anything wrong. But this was not random periodic (not quite sure what that oxymoron means).
RNE, who, when traveling, always carries credit cards issued by at least three banks (Chase, Citi and Barclay, typically)—just in case something (real or false) triggers a suspension of cards with a particular bank—and also making sure at least one card is a MasterCard and another a Visa, as well as having a bank ATM card (as your children wisely did).
Totally agree that there is no way it is a random review. Risk assessment software flagged the accounts first then human team manually review accounts.
Chase will never admit the account is being flagged due to whatever reason. If they decide to cut the relationship they would just do so and cite the clause that either the bank and the cardholder can cease the relationship at any given time without notice.
If Chase decide it can tolerate the risk, at least for the time being, it would reinstate the account and just gives a bogus excuse.
What is astonishing to this incomplete story is, how someone spends a good 5 figures each month would rely on a single credit card / single bank. Totally don't make any sense. I maintain there is a lot more to the story. If indeed OP comes out fine as posted as we could take the face value on it, RNE gave a very sound advice to have multiple cards issued by multiple banks.