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 27, 2017, 3:56 pm
#1366
Join Date: Mar 2009
Location: PHX
Programs: HHonors Lifetime Diamond, UA Million Miler Gold, Marriott Platinum
Posts: 1,142
Apr 4, 2017, 7:00 am
#1367
Join Date: Dec 2010
Posts: 1,516
Chase become very unreasonable.
My wife's accounts (6 personal cards) were closed today. 5 cards were rarely used (couple of purchases in 2-3 months), only united card was moderately (~30-50% of CL, but balance paid before the statement cut) used (1-2 MS transactions and the rest is normal purchases). No BP, or MO activity.
What is funny, that my account is alive (I thought her accounts were closed because mine were closed in the past).
My wife's accounts (6 personal cards) were closed today. 5 cards were rarely used (couple of purchases in 2-3 months), only united card was moderately (~30-50% of CL, but balance paid before the statement cut) used (1-2 MS transactions and the rest is normal purchases). No BP, or MO activity.
What is funny, that my account is alive (I thought her accounts were closed because mine were closed in the past).
Apr 4, 2017, 8:13 am
#1368
Join Date: Aug 2013
Posts: 1,207
Chase become very unreasonable.
My wife's accounts (6 personal cards) were closed today. 5 cards were rarely used (couple of purchases in 2-3 months), only united card was moderately (~30-50% of CL, but balance paid before the statement cut) used (1-2 MS transactions and the rest is normal purchases). No BP, or MO activity.
What is funny, that my account is alive (I thought her accounts were closed because mine were closed in the past).
My wife's accounts (6 personal cards) were closed today. 5 cards were rarely used (couple of purchases in 2-3 months), only united card was moderately (~30-50% of CL, but balance paid before the statement cut) used (1-2 MS transactions and the rest is normal purchases). No BP, or MO activity.
What is funny, that my account is alive (I thought her accounts were closed because mine were closed in the past).
Apr 4, 2017, 11:38 am
#1370
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Plenty of people used their Ink cards in that nature. Ditto to meet their spend on any kind of Chase cards reported in the comment sections of many blogs.
More like it took Chase this long to link the household members at the same address together. Or Chase simply does not like the usage of the CL even though the card was paid before statement closed. Per reports on the net Barclays/Citi/CapOne/BofA also dont like high usage of CLs regardless pay in full before closing dates. Seems only AMEX is lenient in that area, and only for long history customers.
That said, you are probably the ONLY one poster who reported that he could go thru Multiple Chase closures and still b able to open Chase cards within a year or less.
Apr 4, 2017, 12:19 pm
#1371
Join Date: Dec 2010
Posts: 1,516
What was the nature of MS on your wife's cards?
Plenty of people used their Ink cards in that nature. Ditto to meet their spend on any kind of Chase cards reported in the comment sections of many blogs.
More like it took Chase this long to link the household members at the same address together. Or Chase simply does not like the usage of the CL even though the card was paid before statement closed. Per reports on the net Barclays/Citi/CapOne/BofA also dont like high usage of CLs regardless pay in full before closing dates. Seems only AMEX is lenient in that area, and only for long history customers.
That said, you are probably the ONLY one poster who reported that he could go thru Multiple Chase closures and still b able to open Chase cards within a year or less.
Plenty of people used their Ink cards in that nature. Ditto to meet their spend on any kind of Chase cards reported in the comment sections of many blogs.
More like it took Chase this long to link the household members at the same address together. Or Chase simply does not like the usage of the CL even though the card was paid before statement closed. Per reports on the net Barclays/Citi/CapOne/BofA also dont like high usage of CLs regardless pay in full before closing dates. Seems only AMEX is lenient in that area, and only for long history customers.
That said, you are probably the ONLY one poster who reported that he could go thru Multiple Chase closures and still b able to open Chase cards within a year or less.
BTW, I was AU on all her cards.
Apr 4, 2017, 12:34 pm
#1372
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
her cards were all personal cards. 5 cards were almost dormant (only had them for annual free hotel nights) - just had couple of transactions to show some kind of activity. The only car she used was United card, she wanted to spend $25K for 10K miles spending bonus. CL was $10K and max balance was $6K. But as I said, the balance was paid off before closing (from linked checking account). They even increased CL by $2K few weeks ago. Other cards had $5k-$7K CL.
BTW, I was AU on all her cards.
BTW, I was AU on all her cards.
Apr 4, 2017, 12:51 pm
#1373
Join Date: Dec 2010
Posts: 1,516
Kind of late, I wonder? BTW, I was able to open a Chase IHG card few months ago, and so far it is alive. I don't use it after I got a bonus. My bet is somehow they noticed this pattern (large balance and later it was paid off) and look into it. Or, may be they wondered why the card picked up activity in January after 5 months of inactivity.
Apr 5, 2017, 2:12 am
#1374
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
Apr 5, 2017, 3:20 am
#1375
Join Date: Dec 2010
Posts: 1,516
I don't care about the most of the cards they closed (easy to get them back), but some of the cards were valuable (united for their free bags and access to extra economy space) and marriott/freedom (because of 5/24 policy).
Apr 5, 2017, 4:39 am
#1376
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
Hence, the shut down.
Also - many perks are not as valuable as they think.
Apr 5, 2017, 8:04 am
#1378
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
Apr 5, 2017, 9:24 am
#1379
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
While you think Chase is ridiculous, Chase thinks your wife is ridiculous as well.
Hence, the shut down.
FWIW - once your accounts are closed, you will be blacklisted for a undefined time. You will be in the mercy of Chase to decide if Chase would like to open a card again or not.
Also - many perks are not as valuable as they think.
Hence, the shut down.
FWIW - once your accounts are closed, you will be blacklisted for a undefined time. You will be in the mercy of Chase to decide if Chase would like to open a card again or not.
Also - many perks are not as valuable as they think.
Especially the last FWIW part - which obviously has not been true for many, especially the poster you replied to should you ever follow his story... FWIW to you, IIRC he has at least been shut down and back for 3 times in the past few years.
Very true. It is quite interesting following your stories since the 1st shut down.
jk2's experiences are far from unique though he might be the only one who does not mind to share his experiences publicly (but does not get any respect for sharing.)
Last edited by Happy; Apr 5, 2017 at 10:01 am
Apr 5, 2017, 11:32 am
#1380
Join Date: Jan 2013
Posts: 1,438
I tried my usual CVS store in Portland to buy two gift cards at $500 each. Tried using a Chase Hyatt card, and was declined. I immediately got a fraud warning text on my phone from Chase. Reply 1 if this authorized charge. Replied 1 and re-inserted card. Declined.
I canceled and left.
Called to unlock card, and got a verbal warning about "large purchases from CVS and Walgreens" will always trigger a fraud alert. Hope they don't cancel me.
I canceled and left.
Called to unlock card, and got a verbal warning about "large purchases from CVS and Walgreens" will always trigger a fraud alert. Hope they don't cancel me.
Last edited by cheaptom; Apr 5, 2017 at 3:26 pm