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Chase closed my credit card account(s) [Archived 2013-mid 2019]

Chase closed my credit card account(s) [Archived 2013-mid 2019]

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Old Sep 5, 19, 11:49 pm   -   Wikipost
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This thread is now archived. Please follow the topic here: https://www.flyertalk.com/forum/chas...19-thread.html




If you feel your account has been unfairly closed, consider filing a complaint with the Consumer Protection Financial Bureau:

CFPB's complaint form: http://www.consumerfinance.gov/complaint/

When someone reports an account closure here, a lot of the same questions get asked. It might be useful to answer some questions in advance. This could help figure out what happened or how to proceed:
  1. Did you transfer UR points to someone with a different address? Different last name?
  2. Did you sell UR points to someone?
  3. Approximately what percentage of your charges earned less than 5x points in the past 12 months?
  4. Did a Chase or non-Chase bank recently close one of your credit cards?
  5. Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards?
  6. Is your total credit line with Chase much higher than with other banks?
  7. Did you apply for many credit cards or other forms of credit in the past 2 months? ("Many" may be hard to define.)
  8. If you have a Chase checking account how much did you typically deposit in money orders per month, if any?
  9. Did you recently start spending a lot more with Chase than in typical months?
  10. Is your monthly balance frequently close to your credit limit?
  11. Approximately what percentage of spending was on gift cards this year?
  12. How much of your bill do you typically pay using WM or KMart bill payment if any?
  13. Do you have a Chase mortgage or other account that might be profitable to Chase?
  14. Has your credit score or credit profile changed recently? As in: significantly more debt, more open credit lines, or a large drop in your credit score?
Related threads: 2013.1 2013.4
2013.9
2013.12 2014.6
http://www.flyertalk.com/forum/chase...ta-points.html

On 1/4/15, LivelyFL noted that 34 posts have referenced account closures (updated 1/25/15):
1, 55, 80, 108, 117, 129, 146, 165, 182, 212, 221, 222, 232, 235, 262, 272, 281, 326, 364, 410, 411, 428, 475, 477, 482, 513, 552, 586, 620, 648, 656, 662, 714, 718, 784 and 815.

Mortgasm provided more detail as follows:

001 - moarmiles little explaination - 'inconsistent spending'
055 - brettskyg chase gift cards tiny ms
080 - Artemk checking chase gift card, tiny MS, international wires, wall-mart BP
108 - TTnc4me (105 actually) no info
117 - rodsren
129 - Kybosh chase gift card checking
146 - mintcilantro - checking 6k/month MS, BB payments from another ss#, some MO/AP, 7new cards in 90days, short cycling
165 - newcomr - checking
182 - thehawk75 - heavy MSw/other banks,
212 - LRD - 2x spend of 20k /month (on two cards), checking
221 - iceman 77_7, no info
222 - jk2 no info
232 - hitman1420 checking , heavy MS activity (no number)
235 - clearlyanewb checking, MS activity (10k AGC and more), light credit history, 10 recent inquiries
262 - brc01 - shortcycling, some MS (18k/month over a few cards), 1
272 - rambo - 70% MS on 5 cards, WM BP of 16k/month on 5 cards
281 - prestonv - heavy MS - 20k/month on multiple chase cards, heavy WMBP (ink stayed open)
326 - pacupgo - false alarm, no shutdown
364 - edh101985 - tiny MS (bonus only) , 4 chase cards in 6 months,
410 - msetr - lots of freedom/ink ms
411 - standaman360 - international wires (business), million dollar balances,
428 - queensgambit - gambling transactions, UR point transfer from SO, 5 chase apps 3 new chase cc in 45 days, Blogger points coach
475 - dogloverjb - checking, international wires,
477 - ftomasz - 14 inquiries in 8 months, 5 chase, minimal MS, rapid upswing in credit, paying from multiple accounts
482 - liw5215 - Heavy MS, re-entered after 13 months
513 - thegasguru - checking, $3k/month MO to checking, NO MS, AP,
552 - LAXtoWorld - 3 cards in 30 days
586 - adavydov7 checking, $1k APs,
648 - CMHFlyerOH - checking, MO, 3k gift cards
656 - I can see for miles - Maxed UR 5x rewards on Freedom and Ink cards. Chased closed all accounts. Was approved for Ritz Carlton card 14 months later and did nothing unusual with it, other than lower CL from 30K to 10K to free up CL for possible approvals. Two subsequent Chase apps (Chase Ink and Marriott Rewards), on separate dates 3+ months later, were declined for a "previous unsatisfactory relationship ..."
662 - frogdog51 - Chase VGCs (Reapproved in 12 months)
677 - Subdawg - closed for piggybacking
714 - Mamibear - 'abuse' redcard MS
718 - maxswanson - MS, 11 chase cards, traded UR, (reapproved after 12 months)
752 - peaser - "reputational risk" associated with the business (decision reversed later)
757 - uncommonsensical checking, 3 Cashier's Check deposits with quick w/d (the w/d were to pay CHASE credit cards! ridiculous 'loss prevention' dept. gods). All CC's closed 2 days later. Tried EX Office- they seem to have zero power once the Mullah in loss prevention has issued a fatwa (my guess: some 27 year old with a god complex).
762 - knopfler - checking closed (all credit cards closed in both mine and Mrs. Knopflers accounts about three weeks after checking closure)
771 - milemonkey - 'reputational Risk" connected to Attorney General lawsuit
784 - unstable one: 2 cash deposits over 10k to chase checking
815 - dukerau - one time UR point sale, 77% spending is 5x,
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Old May 5, 18, 5:19 pm
  #1921  
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As I understand it, it doesn't need to be simultaneous, just the same day.
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Old May 8, 18, 3:34 am
  #1922  
 
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Just thinking out loud...

We're basically all travelers in some form. Has anyone ever heard of anything about Chase (or any other credit card issuer for that matter) triggering a more heavy than normal fraud alert on an account due to too many logins all around the world IP address wise?

I know international travel is the norm now, and there are plenty of legitimate customers who have to be checking their account all around the world. And to be clear, I am not talking about their web apps sensing something amiss and sending you a text/email with a code. Just wondering if something could trigger something to go beyond this, due to nothing being compromised but still logins all around the world?

Was thinking about this under the thought process of more fraud alerts --> more eyes on accounts --> more chance for exposure to reviews.
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Old May 8, 18, 6:09 pm
  #1923  
 
Join Date: Nov 2013
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Originally Posted by jiaogulan View Post
Just thinking out loud...

We're basically all travelers in some form. Has anyone ever heard of anything about Chase (or any other credit card issuer for that matter) triggering a more heavy than normal fraud alert on an account due to too many logins all around the world IP address wise?

I know international travel is the norm now, and there are plenty of legitimate customers who have to be checking their account all around the world. And to be clear, I am not talking about their web apps sensing something amiss and sending you a text/email with a code. Just wondering if something could trigger something to go beyond this, due to nothing being compromised but still logins all around the world?

Was thinking about this under the thought process of more fraud alerts --> more eyes on accounts --> more chance for exposure to reviews.
Foreign IPs can certainly set the login security itself into overdrive, asking more questions than it might normally. Otherwise I'm doubtful it would affect your spending ability.
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Old May 8, 18, 7:50 pm
  #1924  
 
Join Date: Jan 2017
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Originally Posted by firemandan9 View Post
Foreign IPs can certainly set the login security itself into overdrive, asking more questions than it might normally. Otherwise I'm doubtful it would affect your spending ability.
Gotcha. I was just wondering if there is a certain threshold of "shadiness" with foreign IP's that could trigger something more in-depth, but it sounds like we would know about it if this was happening.
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Old May 8, 18, 7:53 pm
  #1925  
 
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Originally Posted by crapz1 View Post
I was just approved for a CSR and CSP. The CSR went to recon and was approved for $25K+. During the approval I asked for it to be reduced to the minimum of $10K. The agent also asked if I wanted to opt out of any future credit increases and I said yes. The CSP was approved for $15K+ without recon so I SM'd to request a reduction to $5k.
Why do you want lower credit lines?
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Old May 9, 18, 8:34 am
  #1926  
 
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Originally Posted by HawkeyeFlyer View Post
Why do you want lower credit lines?
Better chances for approval. If you already have a couple Chase card accounts with significant credit lines, you may already be close to the maximum credit line they're willing to extend to you. This is especially important for certain cards like the CSR which has a minimum CL of $10K.
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Old May 9, 18, 9:23 am
  #1927  
Moderator: Credit Card Programs & Chase Ultimate Rewards, FlyerTalk Evangelist
 
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Mod hat on--

This thread is about Account Closures so let's stay on topic. We have an existing thread about applying for Chase cards and various strategies.

Thanks!

Mod hat off--
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Old May 10, 18, 4:52 pm
  #1928  
 
Join Date: Mar 2015
Posts: 50
Would like some guidance regarding applying for CIC in my specific situation.

- I'm 4/24 (3 chase and one AMEX - although one of the Chase cards is a product change in which I downgraded a very old CSP to Freedom)
- 1 new card in the past 6 months (an AMEX PRG, in late March)
- 5 total open accounts (4 chase, 1 AMEX)
- Absolutely no MS on any cards
- 800 FICO score, less than 5% utilization, 5+ year total credit history with Chase

Should I be concerned about unwanted attention by applying for the Ink Cash in this situation?

Thanks,
Heli

Last edited by Heliface; May 10, 18 at 5:48 pm
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Old May 10, 18, 5:00 pm
  #1929  
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Nope.
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Old May 10, 18, 5:52 pm
  #1930  
 
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Originally Posted by joe_miami View Post
Nope.
Hi. Is that addressed at me? "Nope" as in no reason to worry?
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Old May 10, 18, 6:08 pm
  #1931  
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Originally Posted by Heliface View Post
Hi. Is that addressed at me? "Nope" as in no reason to worry?
My answer is also nope. Go for it.
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Old May 10, 18, 6:45 pm
  #1932  
 
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I haven't ever been shut down, but I have had my account access blocked because Chase's fraud department thought it was suspicious that I was accessing their portal from Norway. Even though I had notified them I'd be traveling to Norway.

Very inconvenient.
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Old May 10, 18, 7:29 pm
  #1933  
 
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Originally Posted by Heliface View Post
Would like some guidance regarding applying for CIC in my specific situation.

- I'm 4/24 (3 chase and one AMEX - although one of the Chase cards is a product change in which I downgraded a very old CSP to Freedom)
- 1 new card in the past 6 months (an AMEX PRG, in late March)
- 5 total open accounts (4 chase, 1 AMEX)
- Absolutely no MS on any cards
- 800 FICO score, less than 5% utilization, 5+ year total credit history with Chase

Should I be concerned about unwanted attention by applying for the Ink Cash in this situation?

Thanks,
Heli
with 3/24 (a downgrade is not a new account) you are app 20 accounts away from a shutdown .... one should be no problem at all
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Old May 10, 18, 10:49 pm
  #1934  
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Originally Posted by Heliface View Post
Would like some guidance regarding applying for CIC in my specific situation.

- I'm 4/24 (3 chase and one AMEX - although one of the Chase cards is a product change in which I downgraded a very old CSP to Freedom)
- 1 new card in the past 6 months (an AMEX PRG, in late March)
- 5 total open accounts (4 chase, 1 AMEX)
- Absolutely no MS on any cards
- 800 FICO score, less than 5% utilization, 5+ year total credit history with Chase

Should I be concerned about unwanted attention by applying for the Ink Cash in this situation?

Thanks,
Heli
While anything seems possible with Chase lately, I don't think you fit the profile of people that are getting shut down. I would go ahead and apply. I think you are very likely to get approved.
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Old May 10, 18, 11:36 pm
  #1935  
 
Join Date: Mar 2015
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Originally Posted by ChrisFlyer66 View Post
While anything seems possible with Chase lately, I don't think you fit the profile of people that are getting shut down. I would go ahead and apply. I think you are very likely to get approved.
Originally Posted by blitzen View Post

with 3/24 (a downgrade is not a new account) you are app 20 accounts away from a shutdown .... one should be no problem at all
Thanks for the helpful replies, this makes me feel much more at ease.

Another question - would it be a good idea to lower the credit line on one of my cards to increase the odds of auto approval? I think my CL with chase may be near max. But I don't want to do it if lowering the CL would prompt "eyes on my account"

Thanks again.
Heli

Last edited by Heliface; May 10, 18 at 11:51 pm
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