Originally Posted by xinux

My buddy recently told me that Chase shut down all the accounts of his significant other (SO). He's kinda been pushing the envelope with Chase, so he kinda saw it coming.

He shared a few possible reasons why it might have happened:

1. Transferring UR points between accounts. He called Chase customer service to link his Ultimate Rewards account with his SO’s, even though they had different addresses. The rep went ahead, linked them, and even transferred 10k points for him. My friend was a bundle of nerves and even chatted about it on an online forum.
2. Cashing out Membership Rewards through an AC account. This also seems like a big red flag. He cashed out a whopping 700k MR plus an additional 120k points from the card. It’s been a few months since he did this, but he's wondering if this is them getting back at him.
3. Heavy purchasing activity. He was using his SO’s CSR card quite aggressively, which set off a fraud alert. His SO, not knowing what was going on, replied ‘no, I don’t recognize this charge’. Though they later called to say it wasn’t fraud, my friend thinks this might have led to someone manually reviewing the account, and maybe they noticed point 2.
4. PPBP transactions. His last PPBP was just a day before the shutdown, so he's speculating if that’s related. But he thinks it shouldn’t be the case since it was a small amount and both PayPal and the card belonged to his SO. He mentioned that he has done way bigger transactions on his own without any issues.

Right now, the checking and savings accounts are still good, but all the credit cards, including business cards, are shut down. My buddy did manage to transfer the UR points to Hyatt before the shutdown. His SO isn't into the whole credit card points scene and didn't know half of what was happening, so they're not even going to try and get the accounts reinstated.