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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 Feb 24, 16, 3:19 pm
  #1096  
 
Join Date: Dec 2015
Posts: 530
@ brclark82 you're okay. you can edit everything up there if u don't feel comfy sharing.

for most part, most folks who're getting shutdown are doing something fishy to guarantee a human review. example: bill paying from too many sources, depositing money order, abusing the hell out of 5% categories, MS'ing well above their stated income, recycling credit limit 3-4 times, using wallmart bill pay, having tons of expenses under "financial institute" category, etc etc
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Old Feb 24, 16, 5:42 pm
  #1097  
 
Join Date: May 2015
Posts: 35
Originally Posted by runb4fun View Post
@ brclark82 you're okay. you can edit everything up there if u don't feel comfy sharing.

for most part, most folks who're getting shutdown are doing something fishy to guarantee a human review. example: bill paying from too many sources, depositing money order, abusing the hell out of 5% categories, MS'ing well above their stated income, recycling credit limit 3-4 times, using wallmart bill pay, having tons of expenses under "financial institute" category, etc etc
Ok, I figured but that is a big increase in available credit in a short time so I was just a little worried. How about cycling the cl on my new ink. Like I said it's only $5k with others around $20-30k and I wanna hit the bonus asap so I may put a little over $5k in month 1
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Old Mar 5, 16, 12:44 pm
  #1098  
 
Join Date: Apr 2014
Posts: 1,423
Will Chase blacklist you if you cancel your card in the same billing cycle after you meet the minimum purchase for welcome bonus?

I am considering closing my BA card this month and I just got my 100k avios this billing cycle.
uclacolumbiaunc is offline  
Old Mar 5, 16, 1:04 pm
  #1099  
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Join Date: Dec 2014
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Originally Posted by uclacolumbiaunc View Post
Will Chase blacklist you if you cancel your card in the same billing cycle after you meet the minimum purchase for welcome bonus?
No
TMM1982 is offline  
Old Mar 6, 16, 2:36 am
  #1100  
 
Join Date: Apr 2014
Posts: 1,423
How do you know?

Will the agent who cancels my card check the card transaction history? I always cancel credit cards via SM online, not by calling card services over the phone.
uclacolumbiaunc is offline  
Old Mar 6, 16, 5:05 am
  #1101  
 
Join Date: Feb 2013
Location: Philadelphia
Programs: AV,ST,OW Gold, Marriott Gold
Posts: 203
They don't bother checking. In my experience they just cancel it, at least on the phone...
Raul2014 is offline  
Old Mar 6, 16, 11:21 am
  #1102  
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Join Date: Dec 2014
Posts: 8,460
Originally Posted by uclacolumbiaunc View Post
How do you know?

Will the agent who cancels my card check the card transaction history? I always cancel credit cards via SM online, not by calling card services over the phone.
Only once has an agent ever made a comment about this and it was related to the Ritz card last year. I got the 140k points, and the airfare credit for 2014 and 2015, and cancelled in time to get my AF refunded. He made a comment that I was abusing the system and I asked him for his full name so I could report him to Chase for poor customer service.

Nothing happened to me.
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Old Mar 9, 16, 7:22 pm
  #1103  
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Join Date: Sep 2005
Location: AKC
Programs: UA Electrum, Crown&Anchor Diamond, CaptainsCircle Platinum
Posts: 7,907
Originally Posted by uclacolumbiaunc View Post
I am considering closing my BA card this month and I just got my 100k avios this billing cycle.
Chase probably won't care, but I'm curious: How does it benefit you to cancel the card so early?
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Old Mar 10, 16, 7:17 am
  #1104  
 
Join Date: Aug 2014
Posts: 942
because he probably got the card and did his $20K spend for the 100k avios within the 90 days and wants to avoid the AF
DeltaNeutral28 is offline  
Old Mar 10, 16, 7:43 am
  #1105  
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Join Date: Sep 2005
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Programs: UA Electrum, Crown&Anchor Diamond, CaptainsCircle Platinum
Posts: 7,907
Originally Posted by DeltaNeutral28 View Post
because he probably got the card and did his $20K spend for the 100k avios within the 90 days and wants to avoid the AF
Specious. The annual fee won't hit for months. It's no reason to cancel now.
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Old Apr 14, 16, 8:08 am
  #1106  
 
Join Date: Aug 2015
Location: Louisiana, MSY
Programs: Hyatt Plat, SPG Gold, Hilton Diamond, IHG Spire Elite
Posts: 139
I am extremely paranoid about Chase noticing me and shutting me down. With regard to that, I had a couple of questions:

1) I read above that even with small amounts at office stores, there is a chance to get shutdown. I don't cycle my cl, do MO payments or anything like that. I do however buy Visa GCs at Staples.com 6x$300 twice every three months. My other spend on the Ink is minimal. I would say 90-95% of my spend on Ink is the staples purchases. Am I being too defensive?
2) Should I try to switch up the amounts of GCs every month so that it is not the same exact amount every month?

My CL is 10K on the Ink. Have 6 other Chase cards and about 300K in UR (i mention this because I also read DPs about Chase shutting people with high UR balances down). Just haven't had the time to use them in the past year.

Ideally I would like to do $1500-$2000 on the Ink at staples.com every month.
AmeriKop45 is offline  
Old Apr 14, 16, 8:16 am
  #1107  
 
Join Date: Aug 2014
Posts: 942
Had one of my co-branded cards cancelled last week after applying and being approved the week before and only holding the card for a few days, so that's odd, said they'd call me back when they figure out why it was cancelled, possibly fraud department related. All other Chase accounts open. Weird.

Last edited by DeltaNeutral28; Apr 14, 16 at 8:24 am
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Old Apr 14, 16, 9:05 am
  #1108  
 
Join Date: Oct 2011
Posts: 4,167
Originally Posted by DeltaNeutral28 View Post
Had one of my co-branded cards cancelled last week after applying and being approved the week before and only holding the card for a few days, so that's odd, said they'd call me back when they figure out why it was cancelled, possibly fraud department related. All other Chase accounts open. Weird.
Since this will likely bring eyes to your account, if you have any suspect activity it might be prudent to transfer some points out to hedge against a shutdown.
Superorb is offline  
Old Apr 14, 16, 10:29 am
  #1109  
 
Join Date: Sep 2015
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Posts: 2,717
Originally Posted by AmeriKop45 View Post
I am extremely paranoid about Chase noticing me and shutting me down. With regard to that, I had a couple of questions:

1) I read above that even with small amounts at office stores, there is a chance to get shutdown. I don't cycle my cl, do MO payments or anything like that. I do however buy Visa GCs at Staples.com 6x$300 twice every three months. My other spend on the Ink is minimal. I would say 90-95% of my spend on Ink is the staples purchases. Am I being too defensive?
2) Should I try to switch up the amounts of GCs every month so that it is not the same exact amount every month?

My CL is 10K on the Ink. Have 6 other Chase cards and about 300K in UR (i mention this because I also read DPs about Chase shutting people with high UR balances down). Just haven't had the time to use them in the past year.

Ideally I would like to do $1500-$2000 on the Ink at staples.com every month.
What is your stated income(s)? What is your monthly spend on Chase cards? And monthly spend on other cards?
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Old Apr 14, 16, 2:47 pm
  #1110  
 
Join Date: Aug 2014
Posts: 942
Originally Posted by Superorb View Post
Since this will likely bring eyes to your account, if you have any suspect activity it might be prudent to transfer some points out to hedge against a shutdown.
Yep, I just hate that sending UR points out (to my own partners) will probably draw even bigger eyes. It seems as though they are allowing 30 days these days once they cancel you though. I can't imagine that's my scenario but i'm not taking chances.

Last edited by DeltaNeutral28; Apr 14, 16 at 2:57 pm
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