May 15, 2014, 8:16 am
Last edit by: StartinSanDiego
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:
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,
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?
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]
Jan 26, 2015, 1:14 pm
#811
Join Date: Jan 2015
Posts: 2
Hello! Reading this thread has sufficiently freaked me out a bit regarding my own practices. I'm new to this game and I wonder if I could get some opinions about whether I'm at risk.
I have Freedom, Ink, Ink Plus, and Southwest Rewards.
Ink Plus is new as of Dec '14. For my business I spend a LOT on Amazon every year, which prompted me to start buying gift cards from office supply stores. Starting this month, I've been using Ink Plus for all general purchases as well, in an effort to make sure my spending is not exclusively gift cards. I estimate I'll be putting about $2000/month on the card in general purchases. My limit is 5k. I pay off my balance every month.
I'm wondering how much in Amazon gift cards I can "get away with". I had planned on hitting the 50k max (so approx 4k/month), but now I wonder if I shouldn't be a bit more moderate...
Any help would be appreciated.
Thanks!
I have Freedom, Ink, Ink Plus, and Southwest Rewards.
Ink Plus is new as of Dec '14. For my business I spend a LOT on Amazon every year, which prompted me to start buying gift cards from office supply stores. Starting this month, I've been using Ink Plus for all general purchases as well, in an effort to make sure my spending is not exclusively gift cards. I estimate I'll be putting about $2000/month on the card in general purchases. My limit is 5k. I pay off my balance every month.
I'm wondering how much in Amazon gift cards I can "get away with". I had planned on hitting the 50k max (so approx 4k/month), but now I wonder if I shouldn't be a bit more moderate...
Any help would be appreciated.
Thanks!
Jan 26, 2015, 8:02 pm
#812
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,099
Hello! Reading this thread has sufficiently freaked me out a bit regarding my own practices. I'm new to this game and I wonder if I could get some opinions about whether I'm at risk.
I have Freedom, Ink, Ink Plus, and Southwest Rewards.
Ink Plus is new as of Dec '14. For my business I spend a LOT on Amazon every year, which prompted me to start buying gift cards from office supply stores. Starting this month, I've been using Ink Plus for all general purchases as well, in an effort to make sure my spending is not exclusively gift cards. I estimate I'll be putting about $2000/month on the card in general purchases. My limit is 5k. I pay off my balance every month.
I'm wondering how much in Amazon gift cards I can "get away with". I had planned on hitting the 50k max (so approx 4k/month), but now I wonder if I shouldn't be a bit more moderate...
Any help would be appreciated.
Thanks!
I have Freedom, Ink, Ink Plus, and Southwest Rewards.
Ink Plus is new as of Dec '14. For my business I spend a LOT on Amazon every year, which prompted me to start buying gift cards from office supply stores. Starting this month, I've been using Ink Plus for all general purchases as well, in an effort to make sure my spending is not exclusively gift cards. I estimate I'll be putting about $2000/month on the card in general purchases. My limit is 5k. I pay off my balance every month.
I'm wondering how much in Amazon gift cards I can "get away with". I had planned on hitting the 50k max (so approx 4k/month), but now I wonder if I shouldn't be a bit more moderate...
Any help would be appreciated.
Thanks!
Jan 26, 2015, 8:17 pm
#813
Join Date: Apr 2004
Programs: AA plt 2 mm, Marriott LTT, HH dia
Posts: 1,215
Hello! Reading this thread has sufficiently freaked me out a bit regarding my own practices. I'm new to this game and I wonder if I could get some opinions about whether I'm at risk.
I have Freedom, Ink, Ink Plus, and Southwest Rewards.
Ink Plus is new as of Dec '14. For my business I spend a LOT on Amazon every year, which prompted me to start buying gift cards from office supply stores. Starting this month, I've been using Ink Plus for all general purchases as well, in an effort to make sure my spending is not exclusively gift cards. I estimate I'll be putting about $2000/month on the card in general purchases. My limit is 5k. I pay off my balance every month.
I'm wondering how much in Amazon gift cards I can "get away with". I had planned on hitting the 50k max (so approx 4k/month), but now I wonder if I shouldn't be a bit more moderate...
Any help would be appreciated.
Thanks!
I have Freedom, Ink, Ink Plus, and Southwest Rewards.
Ink Plus is new as of Dec '14. For my business I spend a LOT on Amazon every year, which prompted me to start buying gift cards from office supply stores. Starting this month, I've been using Ink Plus for all general purchases as well, in an effort to make sure my spending is not exclusively gift cards. I estimate I'll be putting about $2000/month on the card in general purchases. My limit is 5k. I pay off my balance every month.
I'm wondering how much in Amazon gift cards I can "get away with". I had planned on hitting the 50k max (so approx 4k/month), but now I wonder if I shouldn't be a bit more moderate...
Any help would be appreciated.
Thanks!
Welcome to FT!
Don't know anything to add on the Amazon gift card situation. However, if you use TurboTax on your taxes, and get a refund, the last couple of years there has been an option to get a 10% bonus if you convert it to an Amazon credit. For example, if you have a $500 refund, you could get it as a $550 credit on Amazon. Don't know if they are doing that this year.
edited to add: TurboTax is offering a 5% bonus for online filing, and 10% for their downloaded software. Here's the link.
https://ttlc.intuit.com/questions/18...nd-bonus-offer
Last edited by jeanie; Jan 26, 2015 at 9:31 pm
Jan 26, 2015, 10:10 pm
#814
Join Date: Jan 2015
Posts: 2
I was thinking about using both cards, but again, worried I'd get flagged or something. I wish there were more concrete rules (as does everyone else, too...) I could easily hit the 50k limit on office supply points with Amazon gift cards, and I could hit the 25k for the ink card, too. But I don't know if 24k in other general spending is enough for Chase to feel like I'm valuable enough to not get rid of.
Really, I'd just like to get a general feel for what other people feel comfortable doing. If you were putting 24k in general spending on their cards, how much in gift cards would you feel comfortable buying?
Also, would buying gift cards to buy stuff on Amazon for my business (stuff i would definitely buy whether or not I had the gift cards) be classified by them as manufactured spending?
Jan 27, 2015, 1:49 pm
#815
Join Date: Aug 2010
Location: CLT
Programs: AA, UA, BA, Hilton Diamond, Marriott Gold, IHG Platinum
Posts: 2,074
All Chase cards closed in 1/15:
Did you transfer UR points to someone with a different address? Different last name? Yes, once in 10/12
Did you sell UR points to someone? Yes, the same instance in 10/12
Approximately what percentage of your charges earned less than 5x points in the past 12 months? 77%
Did a Chase or non-Chase bank recently close one of your credit cards? No
Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards?No
Is your total credit line with Chase much higher than with other banks? No
Did you apply for many credit cards or other forms of credit in the past 2 months? ("Many" may be hard to define.) No
If you have a Chase checking account how much did you typically deposit in money orders per month, if any? N/A
Did you recently start spending a lot more with Chase than in typical months? No
Is your monthly balance frequently close to your credit limit? No
Approximately what percentage of spending was on gift cards this year? 42%
How much of your bill do you typically pay using WM or KMart bill payment if any? 25%
Do you have a Chase mortgage or other account that might be profitable to Chase? No
Total 2014 spend across 3 cards: $103K
GC spend (5x): 21% (office supply, Freedom gas quarterlies)
GC spend (1x): 21% (Amex GC)
Reloadable spend (all 1x): 49% (TD Buxx, US Buxx, Serve)
Real spend (5x): 2%
Real spend (1x): 7%
Did you transfer UR points to someone with a different address? Different last name? Yes, once in 10/12
Did you sell UR points to someone? Yes, the same instance in 10/12
Approximately what percentage of your charges earned less than 5x points in the past 12 months? 77%
Did a Chase or non-Chase bank recently close one of your credit cards? No
Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards?No
Is your total credit line with Chase much higher than with other banks? No
Did you apply for many credit cards or other forms of credit in the past 2 months? ("Many" may be hard to define.) No
If you have a Chase checking account how much did you typically deposit in money orders per month, if any? N/A
Did you recently start spending a lot more with Chase than in typical months? No
Is your monthly balance frequently close to your credit limit? No
Approximately what percentage of spending was on gift cards this year? 42%
How much of your bill do you typically pay using WM or KMart bill payment if any? 25%
Do you have a Chase mortgage or other account that might be profitable to Chase? No
Total 2014 spend across 3 cards: $103K
GC spend (5x): 21% (office supply, Freedom gas quarterlies)
GC spend (1x): 21% (Amex GC)
Reloadable spend (all 1x): 49% (TD Buxx, US Buxx, Serve)
Real spend (5x): 2%
Real spend (1x): 7%
Jan 27, 2015, 2:40 pm
#816
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,099
But these numbers indicate that you spent over $93K in MS on your cards, plus $7000K in 5x categories and only $2000 (less than $200 a month if you only had one Chase card/ $70 ish a month across all 3 cards) on regular, non-repetitive purchases. Basically 90% of your spend was MS/cash equivalents.
I don't mean criticism, but I think if I were a fraud analyst, looking for such things, this would catch my eye.
Jan 27, 2015, 2:50 pm
#817
Join Date: Jul 2013
Programs: AA, B6, UA, HH, WoH
Posts: 455
Did they give you opportunity to transfer out UR points?
Feb 1, 2015, 11:28 am
#819
Join Date: Dec 2014
Posts: 80
Piggybacking on LivelyFLs work to identify account closures, I went a step further and outlined reasons identified for the closure.
The willingness to be forthcoming with details vary a lot by poster, so it's not possible to make any certain conclusions. But this was helpful for me as I refine my Chase strategy.
1 - moarmiles little explaination - 'inconsistent spending'
55 - brettskyg chase gift cards tiny ms
80 - Artemk checking chase gift card, tiny MS, international wires, wall-mart BP
108 - TTnc4me (105 actually) no info
117 - (not a closure)
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 - little info
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 - Maxing UR 5x rewards on freedom, Ink Plus, Ink Bold. Left other chase accounts open.
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, cashier's check, (Credit cards not closed yet)
762 - knopfler - checking closed (Credit cards not closed yet)
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,
The willingness to be forthcoming with details vary a lot by poster, so it's not possible to make any certain conclusions. But this was helpful for me as I refine my Chase strategy.
1 - moarmiles little explaination - 'inconsistent spending'
55 - brettskyg chase gift cards tiny ms
80 - Artemk checking chase gift card, tiny MS, international wires, wall-mart BP
108 - TTnc4me (105 actually) no info
117 - (not a closure)
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 - little info
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 - Maxing UR 5x rewards on freedom, Ink Plus, Ink Bold. Left other chase accounts open.
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, cashier's check, (Credit cards not closed yet)
762 - knopfler - checking closed (Credit cards not closed yet)
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,
Feb 2, 2015, 9:17 am
#820
Join Date: Oct 2011
Posts: 4,166
^^ Thanks for the work consolidating these. Might want to stick that into the Wiki.
Feb 2, 2015, 8:10 pm
#821
Join Date: Aug 2013
Posts: 160
That's a lot of work. Thanks for your efforts!
Feb 2, 2015, 10:05 pm
#822
Join Date: May 2010
Location: WAS
Programs: Lotz
Posts: 1,534
I was one of the first shut-downs 2 years ago and it had nothing to do with any of the above. After getting several cards and a high CL, Chase got an ARS or IDA report on me. There was an unfavorable neighbor remark on it. People think ARS/IDA are only problems with US Bank but Chase uses them too if your credit lines get high.
There is absolutely no benefit to keeping these reports open and everyone should freeze them a.s.a.p.:
http://travelcodex.com/2013/06/freez...-club-carlson/
There is absolutely no benefit to keeping these reports open and everyone should freeze them a.s.a.p.:
http://travelcodex.com/2013/06/freez...-club-carlson/
Last edited by tassojunior; Feb 3, 2015 at 8:33 pm
Feb 3, 2015, 12:32 am
#823
Suspended
Join Date: Dec 2014
Posts: 8,460
I was one of the first shut-downs 2 years ago and it had nothing to do with any of the above. After getting several cards and a high CL, Chase got an ARS or IDA report on me. There was an unfavorable neighbor remark on it. People think ARS/IDA are only problems with US Bank but Chase uses them too if your credit lines get high.
There is absolutely no benefit to keeping these reports open and everyone should freeze them a.s.a.p.:
http://travelcodex.com/2013/06/freez...-club-carlson/
Even though I had to sue Chase to get my points out, I've been able to start getting new Chase cards after 2 years.
There is absolutely no benefit to keeping these reports open and everyone should freeze them a.s.a.p.:
http://travelcodex.com/2013/06/freez...-club-carlson/
Even though I had to sue Chase to get my points out, I've been able to start getting new Chase cards after 2 years.
Feb 3, 2015, 4:44 am
#824
Join Date: Apr 2011
Location: Naples, Florida
Programs: AA Lifetime Gold, Hyatt Platinum,Marriott Silver,Hilton Honors Gold
Posts: 593
I was one of the first shut-downs 2 years ago and it had nothing to do with any of the above. After getting several cards and a high CL, Chase got an ARS or IDA report on me. There was an unfavorable neighbor remark on it. People think ARS/IDA are only problems with US Bank but Chase uses them too if your credit lines get high.
There is absolutely no benefit to keeping these reports open and everyone should freeze them a.s.a.p.:
http://travelcodex.com/2013/06/freez...-club-carlson/
Even though I had to sue Chase to get my points out, I've been able to start getting new Chase cards after 2 years.
There is absolutely no benefit to keeping these reports open and everyone should freeze them a.s.a.p.:
http://travelcodex.com/2013/06/freez...-club-carlson/
Even though I had to sue Chase to get my points out, I've been able to start getting new Chase cards after 2 years.