May 15, 2014, 8:16 am

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This thread is now archived. Please follow the topic here: https://www.flyertalk.com/forum/chase-ultimate-rewards/1986148-chase-closed-my-credit-card-account-s-tales-speculation-2019-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:

Did you transfer UR points to someone with a different address? Different last name?
Did you sell UR points to someone?
Approximately what percentage of your charges earned less than 5x points in the past 12 months?
Did a Chase or non-Chase bank recently close one of your credit cards?
Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards?
Is your total credit line with Chase much higher than with other banks?
Did you apply for many credit cards or other forms of credit in the past 2 months? ("Many" may be hard to define.)
If you have a Chase checking account how much did you typically deposit in money orders per month, if any?
Did you recently start spending a lot more with Chase than in typical months?
Is your monthly balance frequently close to your credit limit?
Approximately what percentage of spending was on gift cards this year?
How much of your bill do you typically pay using WM or KMart bill payment if any?
Do you have a Chase mortgage or other account that might be profitable to Chase?
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,

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

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Sep 7, 2018, 9:49 am

#2356

RNE

Join Date: Sep 2005

Location: JZRO

Posts: 9,169

Quote:

Originally Posted by tjh8402

I’ve added 3 new Chase cards this year (Marriott, Southwest, and United), the last being back in June. I don’t foresee any Chase cards I’m gonna be itching to jump on till maybe next year at the absolute earliest. However, I’m looking at a Citi Premiere, and I don’t want that application to jeapordize things with Chase. I assume as long as I don’t do anything suspicious in my spending on Chase cards, they won’t have reason to look at my credit (which is fine, almost 800) or even know about the Citi and it shouldn’t jeopardize things?

You should be fine applying for the Citi card because 1) your last new Chase card was long enough ago, 2) The Citi card won't matter to Chase until you again apply for a Chase card, and 3) you're mindful not to do anything suspicious with your credit cards. If you don't have a Chase checking/saving account, you're even better.

ChrisFlyer66 likes this.

Sep 7, 2018, 11:27 am

#2357

joe_miami

Suspended

Join Date: Oct 2017

Location: Miami, Florida

Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold

Posts: 4,009

Quote:

Originally Posted by RNE

If you don't have a Chase checking/saving account, you're even better.

It's not clear at all that this is true.

Sep 7, 2018, 3:10 pm

#2358

RNE

Join Date: Sep 2005

Location: JZRO

Posts: 9,169

Quote:

Originally Posted by joe_miami

It's not clear at all that this is true.

Perhaps not, but this is clear: If you don't have a Chase bank account, it cannot be a reason for a credit card shutdown.

Sep 7, 2018, 4:31 pm

#2359

Happy

FlyerTalk Evangelist

Join Date: Jul 2003

Location: Florida

Posts: 29,763

Quote:

Originally Posted by RNE

Perhaps not, but this is clear: If you don't have a Chase bank account, it cannot be a reason for a credit card shutdown.

Unless you deposit lots of cash or cash equivalent, have wire transfers frequently (in and out) or any activities that remotely resemble to ML, having Chase banking relationship does not hinder or enhance your credit card side business.

Chase is Very concerned on compliance probably due to it is being fined some half a billion that even Dimon could not wiggle out of it.
IIRC it was the first major bank implemented restriction on cash deposit (can only deposit to your own account, with ID proof) several years ago.

Chase now is very actively monitor the total exposure its customers have with all banks, not just its own.

If I have already applied 2 Chase cards the past 6 months, and am at 10/24, I would leave Chase alone for a while instead of tempting the fate to apply a non 5/24 Chase cards. Of course if you are sure you would get lucky or be able to get reinstate, then you have no fear.

Sep 7, 2018, 5:20 pm

#2360

jeanie

Join Date: Apr 2004

Programs: AA plt 2 mm, Marriott LTT, HH dia

Posts: 1,215

Quote:

Originally Posted by HomelessHobbit

Got a scare last night. fraud department called about my recent (giftcards.com) purchases on my newish Ink card. I am at 1/24 CSP.

The ink card is almost a month old and I've probably MS'ed 7k on it. If I would have known about these shutdowns beforehand I would not have done so much so quickly. I am obviously going to stop playing any games for the time being and see if I can get lucky and not get shut down. I've got a few old cards with chase: ink plus, freedom, hyatt & about 700k UR balance. 99% of my spend over the years is legit. I only recently started doing the MO thing.

IF you had to guess, how fast will I know if I am going to be shut down or not? they called yesterday evening. Should I know very soon or will it be a slow review process before I find out if I am in trouble or not?

Welcome to FlyerTalk! This thread reports data points on shutdowns, and there are posts speculating about the cause of these shutdowns. However, people here don't know for sure when or if you could be shutdown in a situation like this.

What did you tell the fraud department? If you have never done this before with your other Chase cards, and only recently started with the Ink card, then you could make the argument that it was legitimate spending. Maybe you have some relatives with birthdays, or starting a new term at school, and you wanted to buy them gift cards. If the fraud department has called you about it, it would be a good idea to lay low for a while. But the fraud department might have called because this wasn't typical for your spending behavior as well.

Sep 7, 2018, 6:33 pm

#2361

tjh8402

Join Date: Nov 2012

Posts: 105

Quote:

Originally Posted by RNE

I do have Chase Checking and savings. The only recent unusual deposits have been regular transfers from my HSA (with corresponding payments to credit cards) because I’m in physical therapy and paying for that with credit cards and then reimbursing myself out of the HSA. Otherwise I have occasional checks, Apple Pay, or PayPal deposits from friends and family that I pay for things for and then get paid back but that’s been consistent for a while. The overwhelming value of my financial transactions are pretty standard paycheck direct deposits and credit card, mortgage, auto loan, and utility payments.

Sep 8, 2018, 6:14 am

#2362

RNE

Join Date: Sep 2005

Location: JZRO

Posts: 9,169

Quote:

Originally Posted by tjh8402

Good. You should be fine.

Sep 8, 2018, 11:57 am

#2363

dkaplan131

Join Date: Sep 2018

Programs: united, hyatt

Posts: 2

will chase close my account?

Hi,

I've had a chase amazon, chase united club card, and amex blue sky for over 5 years. In June I applied for and received a chase sapphire reserve, and in July I applied for and received the chase hyatt card. Yesterday I applied for the new SPG luxury amex card and was immediately approved. I applied for the chase freedom card that night but it said they would need to consider my application more and they would let me know within 30 days by mail. Do I need to worry about my chase accounts being closed?

I'm not too familiar with all the terminology in this thread but it looks like I was 3/24 before I applied for the chase freedom (2 chase, 1 amex with three hard pulls). My credit score is 820 and my credit utilization is very low (I never carry a balance). I wouldn't normally worry about this but the three hard pulls (four if you count the chase freedom) were all within 3-4 months.

Thanks!
Dan

Sep 8, 2018, 4:50 pm

#2364

blitzen

Join Date: Jul 2011

Location: Sunny AZ

Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....

Posts: 3,214

Quote:

Originally Posted by dkaplan131

don’t think you will be shutdown (10%) more likely not approved (80%) but maybe you are lucky (10%) or in other words no one knows as the algorithm and the Chase look into way more into you provided and b) no one here knows all the checks and rules anyway
were you shut down? Post here ! Did you apply for a chase card? There is a different thread

Sep 10, 2018, 3:12 pm

#2365

SteveT

Join Date: Jun 2002

Location: California USA

Posts: 652

Quote:

Originally Posted by dkaplan131

Even though you obtained for 4 cards in a short period of time, I think you should be ok given that you have a five year history with Chase.

Sep 10, 2018, 3:15 pm

#2366

SteveT

Join Date: Jun 2002

Location: California USA

Posts: 652

Quote:

Originally Posted by RNE

Keep in mind that Chase does periodic account reviews. Alot of folks got shut down for obtaining several accounts after their last Chase card approval.

Sep 10, 2018, 11:49 pm

#2367

mhdena

Join Date: May 2015

Location: LAX, BUR

Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry

Posts: 1,933

Since this has turned into the Will Chase Shut Me Down thread instead of actual shutdowns, does anyone think Chase will shut me down in any month ending in ber?

Or how about any month ending in Y?

I'd like to sleep soundly, thanks.

RNE likes this.

Sep 11, 2018, 1:58 am

#2368

Diplomatico

Join Date: Aug 2007

Location: Truth or Consequences, NM

Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium

Posts: 6,194

Quote:

Originally Posted by mhdena

I don't like to make predictions but I can say with relative certainty that if/when you do get shut down it will be on a day that ends in Y.

aSiAnRiCk, krazykanuck and strickerj like this.

Sep 11, 2018, 4:19 am

#2369

blitzen

Join Date: Jul 2011

Location: Sunny AZ

Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....

Posts: 3,214

Quote:

Originally Posted by SteveT

Keep in mind that Chase does periodic account reviews. Alot of folks got shut down for obtaining several accounts after their last Chase card approval.

Really? I read only after Chase card, MA or other unwanted behavior. Who was shut down by Chase after all they did was getting another Amex etc

Sep 11, 2018, 10:00 am

#2370

RNE

Join Date: Sep 2005

Location: JZRO

Posts: 9,169

Quote:

Originally Posted by blitzen

Who was shut down by Chase after all they did was getting another Amex etc.

IKR. While there's always a chance someone at Chase might stop playing FreeCell long enough to poke around a random customer's account, it's not something I lose sleep over.

RNE, suggesting there's such a dearth of shutdowns, people are reduced to dreaming up what-if's.