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]
Apr 2, 2018, 8:19 pm
#1816
Suspended
Join Date: May 2012
Posts: 233
Anyone knows what would the likely scenario be if wife gets shut down but not husband and then husband sometime later adds wife as an AU? Would that likely lead to husband also getting the axe?
Apr 2, 2018, 8:25 pm
#1817
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
That would be incredibly unwise.
Apr 3, 2018, 9:46 am
#1818
Join Date: Apr 2017
Location: PIT
Programs: UR, MR, SPG, Hyatt, WN
Posts: 1
Yes. In fact, if you read this thread from start to finish you will see that just having an active Chase account with a banned spouse puts you at risk.
Apr 3, 2018, 10:19 am
#1819
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
As others have said, don't do it. Additionally, Husband should consider end-game strategies. That is, maximizing his UR acquisition and usage while it's still possible. I'm not suggesting hog wild MS, merely deliberative expediency. Good luck.
Apr 3, 2018, 11:22 am
#1820
Suspended
Join Date: May 2012
Posts: 233
Fair enough I figured this was the case. I did read most if not all of this thread but it is hard to remember everything and the various updates/gyrations. Thanks for the refresh though! 
Apr 3, 2018, 3:03 pm
#1821
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,933
Apr 3, 2018, 5:56 pm
#1823
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,933
So you're speculating your wife will get shut down? What about you, same activity or no activity?
Apr 10, 2018, 8:50 am
#1824
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
Is it my imagination or are there fewer reports of late? Did Chase's heart grow by two sizes?
Apr 10, 2018, 8:52 am
#1825
Join Date: Dec 2016
Programs: UA 1K, Hilton Diamond, Marriott Titanium
Posts: 7
Is it my imagination or are there fewer reports of late? Did Chase's heart grow by two sizes?
Apr 11, 2018, 1:46 pm
#1826
Join Date: Jul 2011
Location: Sunny AZ
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,213
Just got shutdown today. Funny thing is they stated too many new accounts but the last 2 were chase accounts they just approved ..... and that one account was close by the issuer > that was the Virgin America card they closed when Virgin and Alaska merged ...
Unfortunately I completed the 3k Iberia spend but probably won't see the 50k bonus for that ....
Unfortunately I completed the 3k Iberia spend but probably won't see the 50k bonus for that ....
Apr 11, 2018, 1:50 pm
#1827
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
That's the thing: New Chase accounts are what trigger the review.
Apr 11, 2018, 1:51 pm
#1828
FlyerTalk Evangelist
Join Date: Mar 2006
Location: DFW
Programs: AA 1M
Posts: 31,475
Just got shutdown today. Funny thing is they stated too many new accounts but the last 2 were chase accounts they just approved ..... and that one account was close by the issuer > that was the Virgin America card they closed when Virgin and Alaska merged ...
Unfortunately I completed the 3k Iberia spend but probably won't see the 50k bonus for that ....
Unfortunately I completed the 3k Iberia spend but probably won't see the 50k bonus for that ....
Apr 11, 2018, 1:54 pm
#1829
Join Date: Apr 2018
Posts: 43
Hey guys first post,
After reading through pages and pages I am a little worried about possibly being targeted for shutdown. I currently sit at 8/24 with 3 of those cards being Chase. All 3 were opened in September/October of 17 with two of them being personal (Hyatt/IHG) and one being Business (Marriott).
I have never MS before but figured I would try it out since the whole OD/OM $15 off $300 VGC this week and also me getting 5x points for having the old Chase Ink card (have had it for 4 years now). I have a total credit limit of $19,000 on this card and have put about $5,000 worth of VGC in $400 increments within the last 3 days. I was planning on putting another $10,000 on it by the time the promo with OD/OM ends on 4/14/18. Once the promo ends I dont plan on doing any MS until another similar promo comes along. I am putting the MO I get from Walmart into my CU account and paying off the charges through there, which is the account that has been paying it off since I opened it 4 years ago.
Am I just being paranoid? Should I just flat out stop, pump the brakes a little or just keep going?
After reading through pages and pages I am a little worried about possibly being targeted for shutdown. I currently sit at 8/24 with 3 of those cards being Chase. All 3 were opened in September/October of 17 with two of them being personal (Hyatt/IHG) and one being Business (Marriott).
I have never MS before but figured I would try it out since the whole OD/OM $15 off $300 VGC this week and also me getting 5x points for having the old Chase Ink card (have had it for 4 years now). I have a total credit limit of $19,000 on this card and have put about $5,000 worth of VGC in $400 increments within the last 3 days. I was planning on putting another $10,000 on it by the time the promo with OD/OM ends on 4/14/18. Once the promo ends I dont plan on doing any MS until another similar promo comes along. I am putting the MO I get from Walmart into my CU account and paying off the charges through there, which is the account that has been paying it off since I opened it 4 years ago.
Am I just being paranoid? Should I just flat out stop, pump the brakes a little or just keep going?
Apr 11, 2018, 2:26 pm
#1830
Join Date: Jul 2011
Location: Sunny AZ
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,213