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]
Mar 26, 2017, 8:49 pm
#1351
Join Date: Mar 2009
Location: PHX
Programs: HHonors Lifetime Diamond, UA Million Miler Gold, Marriott Platinum
Posts: 1,142
Mar 26, 2017, 8:54 pm
#1352
Join Date: Mar 2009
Location: PHX
Programs: HHonors Lifetime Diamond, UA Million Miler Gold, Marriott Platinum
Posts: 1,142
My CSP account was closed a few days ago, citing too many recent inquiries + meeting the 4K minimum spending requirement in around a week or two. I did put two legitimate expenses though, and paid it off immediately after. I made a rookie mistake.
Am I just ....ed for the bonus though? Shows that I'm earning 9K points next statement. I haven't even had the card for a statement period before the account was closed, lol
Interestingly enough, the documentation that I sent via mail for the CIP (with LLC proof) was enough to get me approved for the CIP a few days later. What should I do in regards to that? I heard that as soon as Chase closes one of your credit accounts, they'll just close all of them over a later sweep.
Obviously if I get the points honored from the CSP, then I'll just put 5K worth of charges with the CIP asap hoping they'll honor that bonus as well as the threshold was reached. If not, I'll just call Chase up and cancel the card before an imminent shutdown. I bet that if I kept the card and slowly reached that 5K, it would be closed before then....
Sucks that I blundered this hard with Chase, I hit amex pretty hard with no issues whatsoever
Am I just ....ed for the bonus though? Shows that I'm earning 9K points next statement. I haven't even had the card for a statement period before the account was closed, lol
Interestingly enough, the documentation that I sent via mail for the CIP (with LLC proof) was enough to get me approved for the CIP a few days later. What should I do in regards to that? I heard that as soon as Chase closes one of your credit accounts, they'll just close all of them over a later sweep.
Obviously if I get the points honored from the CSP, then I'll just put 5K worth of charges with the CIP asap hoping they'll honor that bonus as well as the threshold was reached. If not, I'll just call Chase up and cancel the card before an imminent shutdown. I bet that if I kept the card and slowly reached that 5K, it would be closed before then....
Sucks that I blundered this hard with Chase, I hit amex pretty hard with no issues whatsoever
Mar 26, 2017, 9:36 pm
#1354
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
My CSP account was closed a few days ago, citing too many recent inquiries + meeting the 4K minimum spending requirement in around a week or two. I did put two legitimate expenses though, and paid it off immediately after. I made a rookie mistake.
Am I just ....ed for the bonus though? Shows that I'm earning 9K points next statement. I haven't even had the card for a statement period before the account was closed, lol
Interestingly enough, the documentation that I sent via mail for the CIP (with LLC proof) was enough to get me approved for the CIP a few days later. What should I do in regards to that? I heard that as soon as Chase closes one of your credit accounts, they'll just close all of them over a later sweep.
Obviously if I get the points honored from the CSP, then I'll just put 5K worth of charges with the CIP asap hoping they'll honor that bonus as well as the threshold was reached. If not, I'll just call Chase up and cancel the card before an imminent shutdown. I bet that if I kept the card and slowly reached that 5K, it would be closed before then....
Sucks that I blundered this hard with Chase, I hit amex pretty hard with no issues whatsoever
Am I just ....ed for the bonus though? Shows that I'm earning 9K points next statement. I haven't even had the card for a statement period before the account was closed, lol
Interestingly enough, the documentation that I sent via mail for the CIP (with LLC proof) was enough to get me approved for the CIP a few days later. What should I do in regards to that? I heard that as soon as Chase closes one of your credit accounts, they'll just close all of them over a later sweep.
Obviously if I get the points honored from the CSP, then I'll just put 5K worth of charges with the CIP asap hoping they'll honor that bonus as well as the threshold was reached. If not, I'll just call Chase up and cancel the card before an imminent shutdown. I bet that if I kept the card and slowly reached that 5K, it would be closed before then....
Sucks that I blundered this hard with Chase, I hit amex pretty hard with no issues whatsoever
To many credit inquiries in a short period of time can trigger a close look by Chase.
Chase has been know to do a soft pull on new customers 1-2 weeks later to make sure other Banks aren't also extending credit. Thus increasing the risk for them.
Your comment about hitting Amex pretty hard may make them think you are only out for sign up bonuses and not a long term customer?
Good luck
Mar 26, 2017, 10:13 pm
#1355
Join Date: Mar 2017
Posts: 7
It looks like Chase considers you a credit risk? For reasons that I don't know.
To many credit inquiries in a short period of time can trigger a close look by Chase.
Chase has been know to do a soft pull on new customers 1-2 weeks later to make sure other Banks aren't also extending credit. Thus increasing the risk for them.
Your comment about hitting Amex pretty hard may make them think you are only out for sign up bonuses and not a long term customer?
Good luck
To many credit inquiries in a short period of time can trigger a close look by Chase.
Chase has been know to do a soft pull on new customers 1-2 weeks later to make sure other Banks aren't also extending credit. Thus increasing the risk for them.
Your comment about hitting Amex pretty hard may make them think you are only out for sign up bonuses and not a long term customer?
Good luck
Yeah the CSR's I've talked with have agreed with me that I shouldn't have been shut down considering the fact that I paid off the account in full quickly, but yeah I guess I'm tagged as that from Chase -- think I'm going to wait at least 1-2 years from Chase now to let my accounts age.
Hopefully I'll still be able to use the points though! Chase sapphire services told me that they will send an inquiry about whether or not I'll get the points from the marketing team, but I doubt it.
Mar 26, 2017, 10:30 pm
#1356
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
Yes.
Close the CIP. Chase can in fact cite the same reason to close your account.
Believe me or not - it is typical for CSR to misrepresent regardless they have the correct information or not. Unless the CSR can make things happen, always consider what you heard are personal opinions only.
Don't forget - CSRs represent Chase. If you don't deserve closure in Chase's perspective, why would Chase touch you at all?
Close the CIP. Chase can in fact cite the same reason to close your account.
Yeah the CSR's I've talked with have agreed with me that I shouldn't have been shut down considering the fact that I paid off the account in full quickly, but yeah I guess I'm tagged as that from Chase -- think I'm going to wait at least 1-2 years from Chase now to let my accounts age.
Don't forget - CSRs represent Chase. If you don't deserve closure in Chase's perspective, why would Chase touch you at all?
Mar 26, 2017, 11:05 pm
#1357
Join Date: Mar 2017
Posts: 7
Yes.
Close the CIP. Chase can in fact cite the same reason to close your account.
Believe me or not - it is typical for CSR to misrepresent regardless they have the correct information or not. Unless the CSR can make things happen, always consider what you heard are personal opinions only.
Don't forget - CSRs represent Chase. If you don't deserve closure in Chase's perspective, why would Chase touch you at all?
Close the CIP. Chase can in fact cite the same reason to close your account.
Believe me or not - it is typical for CSR to misrepresent regardless they have the correct information or not. Unless the CSR can make things happen, always consider what you heard are personal opinions only.
Don't forget - CSRs represent Chase. If you don't deserve closure in Chase's perspective, why would Chase touch you at all?
Mar 27, 2017, 11:40 am
#1358
Join Date: Aug 2008
Location: Somewhere in Florida
Posts: 2,622
I think the "recent inquiries" probably did you in more than the minimum spend, but that depends what you bought. Keep in mind that the banks now do get itemized receipts from many merchants these days. Chase knows when you're buying GCs at Staples.
Mar 27, 2017, 1:17 pm
#1359
Join Date: Mar 2017
Posts: 7
How much of the minimum spend was through legitimate (ie: non-MS) spend? My initial spend for my CSP was 2x Macy's gift cards purchased in-person at Macy's (mom's birthday), which triggered a fraud alert, but resolved with them calling me. About an hour later, I put a nice order with Lenovo for a few laptops, which was well over the $4k minimum. Paid that off a week later when the office reimbursable check came in. No complaining from Chase about it.
I think the "recent inquiries" probably did you in more than the minimum spend, but that depends what you bought. Keep in mind that the banks now do get itemized receipts from many merchants these days. Chase knows when you're buying GCs at Staples.
I think the "recent inquiries" probably did you in more than the minimum spend, but that depends what you bought. Keep in mind that the banks now do get itemized receipts from many merchants these days. Chase knows when you're buying GCs at Staples.
I did 0 MS on that card, though
Mar 27, 2017, 1:21 pm
#1360
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
Hopefully, you did not close the CIP yet...and you can still get the bonus for CSP...
Mar 27, 2017, 1:59 pm
#1362
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
However - I stand correct that if it was not a Chase screw-up, closing CIP would be a correct decision.
Mar 27, 2017, 2:29 pm
#1364
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
Congrats and I'm glad it all worked out.
Mar 27, 2017, 3:53 pm
#1365
Join Date: Mar 2009
Location: PHX
Programs: HHonors Lifetime Diamond, UA Million Miler Gold, Marriott Platinum
Posts: 1,142
I think that is the biggest key. I think what Chase hates the most, IMO, is the manufactured spend. I think they can work past most other things but they just aren't up for this abuse and yet people to continue to try it daily and then complain when cancelled.