Originally Posted by
Happy
That was what triggered it. The 2 new cards did you in. Low end of FICO and history of carrying outstanding balances added to the flags generated by the system.
Not so sure about that. 700+ FICO and carrying a balance (currently below 20%) would not ordinarily trigger a shutdown, even with recent new credit applications. If you carried high balances for a while, and credit score dropped below 650, it might get you a review. But carrying a balance makes you a profitable customer. If Chase shut all those customers down, they wouldn't make any money.
I'm guessing there are other factors at play here.