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]
Aug 18, 2018, 9:12 am
#2311
Join Date: Sep 2008
Location: AUS
Programs: BAEC Gold, AA PPro, Hyatt Globalist, Amex Plat
Posts: 7,041
And now reopened after I contacted EO.
Shutdown came days after Chase CC application.
EO phoned, said they had noticed many recent apps for credit, asked me about these. I explained.
EO: on review, they saw that this was not unusual for me and were reinstating the accounts.
Accounts are showing open now.
Shutdown came days after Chase CC application.
EO phoned, said they had noticed many recent apps for credit, asked me about these. I explained.
EO: on review, they saw that this was not unusual for me and were reinstating the accounts.
Accounts are showing open now.
Regards
Aug 18, 2018, 9:19 am
#2312
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
Ummm... so this is like the FBI stopping Clyde Barrow and letting him go because robbing banks is not unusual for him? I thought Chase sought to shutdown sign-up bonus mongers (like me, I don't deny).
Aug 18, 2018, 10:44 am
#2313
Suspended
Join Date: Sep 2014
Posts: 350
And now reopened after I contacted EO.
Shutdown came days after Chase CC application.
EO phoned, said they had noticed many recent apps for credit, asked me about these. I explained.
EO: on review, they saw that this was not unusual for me and were reinstating the accounts.
Accounts are showing open now.
Shutdown came days after Chase CC application.
EO phoned, said they had noticed many recent apps for credit, asked me about these. I explained.
EO: on review, they saw that this was not unusual for me and were reinstating the accounts.
Accounts are showing open now.
Aug 20, 2018, 4:12 am
#2314
Join Date: Jan 2017
Posts: 790
And now reopened after I contacted EO.
Shutdown came days after Chase CC application.
EO phoned, said they had noticed many recent apps for credit, asked me about these. I explained.
EO: on review, they saw that this was not unusual for me and were reinstating the accounts.
Accounts are showing open now.
Shutdown came days after Chase CC application.
EO phoned, said they had noticed many recent apps for credit, asked me about these. I explained.
EO: on review, they saw that this was not unusual for me and were reinstating the accounts.
Accounts are showing open now.
I realize you "travel light", but some more definition would be amazing.
Aug 20, 2018, 9:08 am
#2315
Join Date: Feb 2008
Location: Florida
Programs: UA 1P, SPG
Posts: 521
Roughly 10 Year chase customer having Ritz, BA, and Southwest cards. Also have some Amex cards. I hadnt applied for a single card in about 4 years and decided to apply for the new hyatt card and the chase ink business card. Credit score in the mid 700s.
Decided to just buy some gift cards at the grocery store just to meet minimum spend quickly, and specifically on the hyatt card, I kept getting a fraud protection hold and had to call in to get it released and continue the transaction. Well, on the 3rd time, transaction didnt process, with rep on the phone. He said there was some technical back end glitch and that he'd submit a ticket and I'd get a call. The next day all my Chase accounts were closed.
About a week later, i got the letter about my accounts being closed. They cited a quick increase in my revolving credit spend and also a recent delinquency on my record. I went and checked my credit utilization through chase journey, and its 4% (Four). And that delinquency? Ugh, an outstanding ~$200 on a banana republic store card that had slipped by me for a few months as those statements go to my mom's house, has already been paid off in full.
So I blindly sent a letter to Chase's Executive Offices, attached copies of my last two years pay stubs, copies of all of my banking statements, even showed what my house is estimated to be worth compared to what i have left on my mortgage.....frankly, anything I could think of that shines a positive financial picture. And they all do look very good.
We'll see what happens. I personally think this is all a little silly.
Decided to just buy some gift cards at the grocery store just to meet minimum spend quickly, and specifically on the hyatt card, I kept getting a fraud protection hold and had to call in to get it released and continue the transaction. Well, on the 3rd time, transaction didnt process, with rep on the phone. He said there was some technical back end glitch and that he'd submit a ticket and I'd get a call. The next day all my Chase accounts were closed.
About a week later, i got the letter about my accounts being closed. They cited a quick increase in my revolving credit spend and also a recent delinquency on my record. I went and checked my credit utilization through chase journey, and its 4% (Four). And that delinquency? Ugh, an outstanding ~$200 on a banana republic store card that had slipped by me for a few months as those statements go to my mom's house, has already been paid off in full.
So I blindly sent a letter to Chase's Executive Offices, attached copies of my last two years pay stubs, copies of all of my banking statements, even showed what my house is estimated to be worth compared to what i have left on my mortgage.....frankly, anything I could think of that shines a positive financial picture. And they all do look very good.
We'll see what happens. I personally think this is all a little silly.
Aug 20, 2018, 10:46 am
#2317
Join Date: Sep 2014
Location: TPA/DFW/K15
Programs: AA EXP, Mar AMB, HH LT DIA
Posts: 1,652
Aug 20, 2018, 10:53 am
#2319
Join Date: Sep 2014
Location: TPA/DFW/K15
Programs: AA EXP, Mar AMB, HH LT DIA
Posts: 1,652
Aug 20, 2018, 11:24 am
#2320
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
Scroll up about five posts.
Aug 21, 2018, 9:23 am
#2323
Join Date: Sep 2013
Posts: 877
It's been over 14 months since I applied for a credit card, which it was a card for my business. As of this morning, I was at 0/24.
I decided to apply for Hyatt credit card to help with the transition from Marriott to Hyatt, but I received a message asking me to call Chase.
The representative stressed the word "exposure", but offered to move credit from another personal account.
I was surprised by her statement given my income level and the fact my personal credit line is only $23k with Chase.
She responded by saying the issue wasn't my personal credit line; the issue is I have 2 business cards with a combined line of credit over $80k.
$80k in credit line for a business should not be an issue, but I opened these cards years ago before my business was officially incorporated; therefore, I am the underwriter and I am responsible for whatever happens to these cards.
I was eventually approved, but I am not sure what will happen next given all the shut down stories I have read.
Do you guys have any advice?
Thank you
I decided to apply for Hyatt credit card to help with the transition from Marriott to Hyatt, but I received a message asking me to call Chase.
The representative stressed the word "exposure", but offered to move credit from another personal account.
I was surprised by her statement given my income level and the fact my personal credit line is only $23k with Chase.
She responded by saying the issue wasn't my personal credit line; the issue is I have 2 business cards with a combined line of credit over $80k.
$80k in credit line for a business should not be an issue, but I opened these cards years ago before my business was officially incorporated; therefore, I am the underwriter and I am responsible for whatever happens to these cards.
I was eventually approved, but I am not sure what will happen next given all the shut down stories I have read.
Do you guys have any advice?
Thank you
Aug 21, 2018, 9:33 am
#2324
Join Date: Jul 2011
Location: Sunny AZ
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,213
Advise? This wasn’t a shutdown
Aug 21, 2018, 9:36 am
#2325
Join Date: Sep 2013
Posts: 877
I do not want to see my cards negatively affected.
I greatly benefit from the business expenditures on my chase accounts, and i don't want to compromise that.
Had i known would hold my business credit line against me, i would have lowered them, but i was under the impression chase kept business and personal separate
I greatly benefit from the business expenditures on my chase accounts, and i don't want to compromise that.
Had i known would hold my business credit line against me, i would have lowered them, but i was under the impression chase kept business and personal separate