Originally Posted by 12changk2

Thoughts on the risk of shutdown for my stupid mistakes recently? Just had 2 payments returned - 1 on each of my CICs. Linked new external account by logging in to pay but it seemed like Chase's system defaulted to treating those accounts as Checking accounts (they were Savings) and so the external banks rejected the payments (TD and WF).

-1st account: 5k CL, 3.5k payment rejected, 1.7k ODOM pending purchase (which would've maxed the CL). Chase rep didn't allow me to re-pay the 3.5k until the full payment is returned, so I paid off the 1.7k using a Chase Savings account. Original statement due date was 8/2
-2nd account: 8.8k CL, 3.6k payment rejected, no pending charges. Statement due date 8/15, gonna pay it once the returned payment hits the account.

Both of them are 2yo+ accounts, but I've been doing some ODOM V/MC GC MS on both of them ~10k on the 1st, ~16k on the 2nd so far this year. (1.8k-3.6k on each card almost every statement when there's an ODOM promo the past few months)

4 open personal Chase cards w 16.5k total CL (IHG, CFU, 2x UA Gateways); 23.3k total biz Chase CL spread across 2 CIC, 2 CIP. Also have 2 closed CIU, 1 closed SW biz, 1 closed UA biz. Total CL is under 50% reported income.
I'm 3/24, most recent Chase approval was CIP approved last Fri 8/2 (really bad timing I know!), and before that was CIP in July 2023 - denied on recon for CIU in Oct, Nov, Dec, April lol.

Please let me know your thoughts? Should I proactively close those 2 accounts before they shut me down? Transfer some CL over to the 5.5k one so it isn't close to maxing out? Try to speed run that new CIP (I haven't received the card yet) to get the 120k if they're gonna shut me down? Thanks in advance for any thoughts on advice!