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]
Jun 20, 2017, 2:17 pm
#1471
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Has anyone here experienced a complete Chase shutdown due to applying for two cards the same day? There are reports of this starting May 2017 at
http://www.doctorofcredit.com/chase-...nts-deem-risky
http://www.doctorofcredit.com/chase-...nts-deem-risky
What is standing out in the comment section is many got their accounts reinstated after filing CFPB. One case was so bizarre that the CSR from the lending dept actually yelled and cursed at the caller - that was reviewed on the CFPB complaint as we all know, the phone calls with lending / dispute / fraud dept are all recorded.
Another poster got shutdown TWICE - the first one he called and did not go anywhere so he filed CFPB. All accounts were reinstated. Then got shut down again. This time he did not even bother to call, filed CFPB immediately. 3 days later all accounts were reinstated BEFORE the official shut down letter even arrived!
Seems Chase procedure is very haphazard and lots of "Kill first" actions which do not stand up on regulatory investigation.
Here is a thread in Dan's Deal Forum - Note large amount 3rd partycheck deposited via ATM is also a No No.
http://forums.dansdeals.com/index.php?topic=11216.6285
Last edited by Happy; Jun 20, 2017 at 3:05 pm
Jun 20, 2017, 3:48 pm
#1472
Join Date: Dec 2007
Location: PDX|AKL|AMS|GVA|AGP|CPT - or somewhere in between
Programs: DL DM; 2MM
Posts: 2,418
Coincidentally DH had the following happen:
Approx. 4 weeks ago DH received $300 sign-up offer for Chase checking account in company mail, addressed to his own company.
Thought: why not - cancel the current company account with different bank and earn $300 with Chase, a reputable bank.
Went into local branch and the manager happily signed up.
First time ever for the company, although we have a personal Chase Trust account but no other accounts with Chase.
Yesterday - approximately one month after 1st deposit of a couple of thousands into the account, hardly paying attention and with no other activity, THE LETTER arrived.
Boom ... account closed - no reason given.
DH - flabbergasted as can be - visits local branch and shows the letter.
Manager states: "it happens" and doesn't seem too surprised.
Last edited by Travelomania; Jun 20, 2017 at 3:53 pm
Jun 20, 2017, 3:54 pm
#1473
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Thanks for your read up and posting.
Coincidentally DH had the following happen:
Received $300 sign-up offer for Chase checking account in company mail, addressed to his own company.
Thought: why not - cancel the current company account and earn $300 with Chase, a reputable bank.
Went into local branch and the manager happily signed up.
First time ever for the company, although we have a personal Chase Trust account but no other accounts with Chase.
Yesterday - approximately one month after 1st deposit of a couple of thousands into the account, hardly paying attention and with no other activity, THE LETTER arrived.
Boom ... account closed - no reason given.
DH - flabbergasted as can be - visits local branch and shows the letter.
Manager states: "it happens" and doesn't seem too surprised.
Coincidentally DH had the following happen:
Received $300 sign-up offer for Chase checking account in company mail, addressed to his own company.
Thought: why not - cancel the current company account and earn $300 with Chase, a reputable bank.
Went into local branch and the manager happily signed up.
First time ever for the company, although we have a personal Chase Trust account but no other accounts with Chase.
Yesterday - approximately one month after 1st deposit of a couple of thousands into the account, hardly paying attention and with no other activity, THE LETTER arrived.
Boom ... account closed - no reason given.
DH - flabbergasted as can be - visits local branch and shows the letter.
Manager states: "it happens" and doesn't seem too surprised.
Note that the previous account has to be closed longer than 90 days prior opening a new one for sign up bonus. It is in the term.
We do the Saving account bonus every year. The previous accounts always close close to 5-6 months prior to open a new one.
EDIT
Just re-read your post - this is the first time the company opens an account with Chase in the company's name...
Jun 20, 2017, 4:06 pm
#1474
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
Many of us earn miles by actual flying. In the past, it was easier to get miles from flying rather than from credit cards.
FWIW - you seem to forget mia is the Mod here...Just saying...
Jun 20, 2017, 4:17 pm
#1475
Join Date: Dec 2007
Location: PDX|AKL|AMS|GVA|AGP|CPT - or somewhere in between
Programs: DL DM; 2MM
Posts: 2,418
Note that the previous account has to be closed longer than 90 days prior opening a new one for sign up bonus. It is in the term.
EDIT
Just re-read your post - this is the first time the company opens an account with Chase in the company's name...
Just re-read your post - this is the first time the company opens an account with Chase in the company's name...
Jun 20, 2017, 5:43 pm
#1476
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Does it affect your existing Chase Trust Account? If it does not, do you still want to keep it at Chase, given what the bank has done to you and how unhelpful the banker has been...
I guess if your husband decides to pursuit the matter, the account probably would be reinstated. Chase may have pulled a D&B report or whatever, (ARS and some other obscure outfits, but that is more for personal) and somehow it does not like the info. Or, there might be a mix up of companies. That indeed happens, not just Chase, but AMEX has had ID mix up closures reported in the past.
Last edited by Happy; Jun 20, 2017 at 5:49 pm
Jun 20, 2017, 6:25 pm
#1477
Join Date: Dec 2007
Location: PDX|AKL|AMS|GVA|AGP|CPT - or somewhere in between
Programs: DL DM; 2MM
Posts: 2,418
Does it affect your existing Chase Trust Account? If it does not, do you still want to keep it at Chase, given what the bank has done to you and how unhelpful the banker has been...
I guess if your husband decides to pursuit the matter, the account probably would be reinstated. Chase may have pulled a D&B report or whatever, (ARS and some other obscure outfits, but that is more for personal) and somehow it does not like the info. Or, there might be a mix up of companies. That indeed happens, not just Chase, but AMEX has had ID mix up closures reported in the past.
I guess if your husband decides to pursuit the matter, the account probably would be reinstated. Chase may have pulled a D&B report or whatever, (ARS and some other obscure outfits, but that is more for personal) and somehow it does not like the info. Or, there might be a mix up of companies. That indeed happens, not just Chase, but AMEX has had ID mix up closures reported in the past.
I guess the idea of an appeal with CFPB and thus pursue the matter seems feasible, even if just out of curiosity what the outcome will be.
But I'm positive the bonus will be gone, even with a positive result.
Regarding the Chase Trust account - we will evaluate again after this mishap and if it's worth the time and effort to move everything to another bank.
Feel sorry for DH, since he did not need the extra hassle of having everything moved to the newly opened Chase company account and then having it involuntarily closed within a month.
Jun 20, 2017, 6:47 pm
#1478
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Apparently so, did not seem interested.
Thanks so much for your thoughts.
I guess the idea of an appeal with CFPB and thus pursue the matter seems feasible, even if just out of curiosity what the outcome will be.
But I'm positive the bonus will be gone, even with a positive result.
Regarding the Chase Trust account - we will evaluate again after this mishap and if it's worth the time and effort to move everything to another bank.
Feel sorry for DH, since he did not need the extra hassle of having everything moved to the newly opened Chase company account and then having it involuntarily closed within a month.
Thanks so much for your thoughts.
I guess the idea of an appeal with CFPB and thus pursue the matter seems feasible, even if just out of curiosity what the outcome will be.
But I'm positive the bonus will be gone, even with a positive result.
Regarding the Chase Trust account - we will evaluate again after this mishap and if it's worth the time and effort to move everything to another bank.
Feel sorry for DH, since he did not need the extra hassle of having everything moved to the newly opened Chase company account and then having it involuntarily closed within a month.
Jun 20, 2017, 8:00 pm
#1479
Join Date: Jan 2013
Location: Chicago, IL
Programs: Hilton, Marriott, Club Carlson, AA, UA, AS, SQ, AF
Posts: 124
Just got the closure letter in the mail. The letter for my wife said "After careful consideration, we closed your account... because our affiliate is ending its banking relationship with you."
I don't understand who the affiliate is. It is a Chase card. We have no checking or savings accounts open at Chase. The doesn't make sense to me. I found another copy someone posted online that said they deemed their account "too risky." That at least makes sense (even if it isn't justified). Maybe this is just another way of saying the default unsatisfactory past relationships.
I will have her call tomorrow. She is going to be so happy....
And in reference to some other comments. Even though I don't plan to MS, I would like to have the ability to earn United, Hyatt, Southwest, Marriott, BA, Korean, etc... through my regular spend.
Also, when I referenced "she seemed to think" I was referring to the chase representative on the phone.
Will report back how the phone call goes and if any progress is made. Wish us luck!
I don't understand who the affiliate is. It is a Chase card. We have no checking or savings accounts open at Chase. The doesn't make sense to me. I found another copy someone posted online that said they deemed their account "too risky." That at least makes sense (even if it isn't justified). Maybe this is just another way of saying the default unsatisfactory past relationships.
I will have her call tomorrow. She is going to be so happy....
And in reference to some other comments. Even though I don't plan to MS, I would like to have the ability to earn United, Hyatt, Southwest, Marriott, BA, Korean, etc... through my regular spend.
Also, when I referenced "she seemed to think" I was referring to the chase representative on the phone.
Will report back how the phone call goes and if any progress is made. Wish us luck!
Jun 20, 2017, 8:32 pm
#1480
Join Date: Dec 2007
Location: PDX|AKL|AMS|GVA|AGP|CPT - or somewhere in between
Programs: DL DM; 2MM
Posts: 2,418
The shutdown just seems very puzzling and bizarre. Chase does shut down business account if the bank decides it does not like the business the client is in. This has been reported a few years ago - a poster had multiple business accounts with Chase, one of them belonged to a "crowd funding" venture. Chase decided it did not like the nature of the business and shut down that account, all other accounts remained intact. It was reported in one of the early Chase shut down threads. Try search 300K Ultimate Reward Points gone some keywords like that, you might be able to unearth that thread.
The biz with the closed Chase account is remarkably straight forward: manufacture & installation of solar-powered electric vehicle charging stations across the globe.
Business is booming !
Jun 21, 2017, 12:45 pm
#1481
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Otherwise there would be no more logical reason.
Jun 21, 2017, 9:08 pm
#1482
Join Date: Aug 2015
Posts: 8
Just happened today.
Did you transfer UR points to someone with a different address? Different last name? NO
Did you sell UR points to someone? NO
Approximately what percentage of your charges earned less than 5x points in the past 12 months? ~80+%
Did a Chase or non-Chase bank recently close one of your credit cards? Yes - United, several months ago
Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards? Yes, only have credit cards
Is your total credit line with Chase much higher than with other banks? - No, maybe 30% more
Did you apply for many credit cards or other forms of credit in the past 2 months? Only Mortgage in last 2 months, no cards for over a year ("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? - ~10K?
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? 40%
How much of your bill do you typically pay using WM or KMart bill payment if any? None
Do you have a Chase mortgage or other account that might be profitable to Chase? Checking x2
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? No - Credit score is just under 800
Did you transfer UR points to someone with a different address? Different last name? NO
Did you sell UR points to someone? NO
Approximately what percentage of your charges earned less than 5x points in the past 12 months? ~80+%
Did a Chase or non-Chase bank recently close one of your credit cards? Yes - United, several months ago
Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards? Yes, only have credit cards
Is your total credit line with Chase much higher than with other banks? - No, maybe 30% more
Did you apply for many credit cards or other forms of credit in the past 2 months? Only Mortgage in last 2 months, no cards for over a year ("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? - ~10K?
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? 40%
How much of your bill do you typically pay using WM or KMart bill payment if any? None
Do you have a Chase mortgage or other account that might be profitable to Chase? Checking x2
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? No - Credit score is just under 800
Jun 21, 2017, 9:35 pm
#1483
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
Just happened today.
#1 Did you transfer UR points to someone with a different address? Different last name? NO
#2 Did you sell UR points to someone? NO
#3 Approximately what percentage of your charges earned less than 5x points in the past 12 months? ~80+%
#4 Did a Chase or non-Chase bank recently close one of your credit cards? Yes - United, several months ago
#5 Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards? Yes, only have credit cards
#6 Is your total credit line with Chase much higher than with other banks? - No, maybe 30% more
#7 Did you apply for many credit cards or other forms of credit in the past 2 months? Only Mortgage in last 2 months, no cards for over a year ("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? - ~10K?
#9 Did you recently start spending a lot more with Chase than in typical months? No
#1 0 Is your monthly balance frequently close to your credit limit? No
#1 1 Approximately what percentage of spending was on gift cards this year? 40%
#1 2 How much of your bill do you typically pay using WM or KMart bill payment if any? None
#1 3 Do you have a Chase mortgage or other account that might be profitable to Chase? Checking x2
#1 4 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? No - Credit score is just under 800
#1 Did you transfer UR points to someone with a different address? Different last name? NO
#2 Did you sell UR points to someone? NO
#3 Approximately what percentage of your charges earned less than 5x points in the past 12 months? ~80+%
#4 Did a Chase or non-Chase bank recently close one of your credit cards? Yes - United, several months ago
#5 Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards? Yes, only have credit cards
#6 Is your total credit line with Chase much higher than with other banks? - No, maybe 30% more
#7 Did you apply for many credit cards or other forms of credit in the past 2 months? Only Mortgage in last 2 months, no cards for over a year ("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? - ~10K?
#9 Did you recently start spending a lot more with Chase than in typical months? No
#1 0 Is your monthly balance frequently close to your credit limit? No
#1 1 Approximately what percentage of spending was on gift cards this year? 40%
#1 2 How much of your bill do you typically pay using WM or KMart bill payment if any? None
#1 3 Do you have a Chase mortgage or other account that might be profitable to Chase? Checking x2
#1 4 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? No - Credit score is just under 800
#3 80% in 5X's points could be a problem?
#4 Having a card closed can be a red flag but sometimes it's nothing.
#7 With Chase again it varies. They are known to do soft pulls to see if you are opening cards even if you're not applying for more Chase cards.
#8 MO's into a Chase account is a bad idea. If it was 10K a month that could bring a review. $120K a year is high. Also it shows MS. May require a report to the Federal Gov.?
With Chase it's hard to pin point why they do a shut down. In your case it might be a combination of things. Did something happen that they would look at every thing? Usually a shut down like yours happens after a internal review.
Good luck
Last edited by jjmiller69; Jun 21, 2017 at 9:52 pm Reason: add #'s to make it easier
Jun 22, 2017, 2:51 am
#1485
FlyerTalk Evangelist
Join Date: Mar 2006
Location: DFW
Programs: AA 1M
Posts: 31,475
For those who got shutdown for transfering UR to someone not in their immediate household or address, did the person receiving also get shutdown? Any data points on this?