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Chase closed my credit card account(s) [Consolidated]

Chase closed my credit card account(s) [Consolidated]

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Old Dec 23, 18, 4:22 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: liw5215
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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:
  1. Did you transfer UR points to someone with a different address? Different last name?
  2. Did you sell UR points to someone?
  3. Approximately what percentage of your charges earned less than 5x points in the past 12 months?
  4. Did a Chase or non-Chase bank recently close one of your credit cards?
  5. Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards?
  6. Is your total credit line with Chase much higher than with other banks?
  7. Did you apply for many credit cards or other forms of credit in the past 2 months? ("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?
  9. Did you recently start spending a lot more with Chase than in typical months?
  10. Is your monthly balance frequently close to your credit limit?
  11. Approximately what percentage of spending was on gift cards this year?
  12. How much of your bill do you typically pay using WM or KMart bill payment if any?
  13. Do you have a Chase mortgage or other account that might be profitable to Chase?
  14. 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?
Related threads: 2013.1 2013.4 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,
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Old Mar 10, 19, 2:01 pm
  #2491  
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Since you are going to be under 5/24, you probably have not been getting new cards the past 18 to 24 months. But your existing accounts at Chase seem a bit too many with the 2 InkCash from downgrade.

What are the paths of the 2 downgraded Ink Cash card? If both were from avoiding annual fee on 1st anniversary (after the initial sign up bonus) I would say you should leave the bear in hibernation.
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Old Mar 10, 19, 2:08 pm
  #2492  
 
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I have been approved for 3 cards (my only cards with chase, only other relationship being an auto loan) since Jan 2019, so in the last 70 days. Am I at risk for being shut down?
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Old Mar 10, 19, 2:15 pm
  #2493  
mia
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Welcome to Flyertalk.

How long is your credit history? Did you use accurate information when apply for Chase cards? Are use using natural spending to qualify for the new account bonuses?

(Please do not post the same question in more than one thread or forum.)
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Old Mar 10, 19, 2:23 pm
  #2494  
 
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Originally Posted by mia View Post
Welcome to Flyertalk.

How long is your credit history? Did you use accurate information when apply for Chase cards? Are use using natural spending to qualify for the new account bonuses?

(Please do not post the same question in more than one thread or forum.)

Credit history overall about 6 years with an Amex, I have a mortgage wwith WF and auto loan with chase (plus spouse has auto loan with chase), chase reports my credit score as 804, all information is accurate (income is my own plus my spouse who is AU on the card).

Natural spending only.

Sorry, noticed this was the more appropriate topic afterward.

Last edited by Agallion; Mar 10, 19 at 3:47 pm Reason: updated info
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Old Mar 11, 19, 2:03 pm
  #2495  
 
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I had all my chase accounts shut down in Oct 2017 and haven't applied for any cards. Does anyone have DPs on when I can be back with Chase? Reason for my shutdown(a clear reason was not given) I suspect is: I used Chase cards to reload Prepaid accounts(back in the days).
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Old Mar 11, 19, 7:14 pm
  #2496  
 
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Originally Posted by concordian View Post
I had all my chase accounts shut down in Oct 2017 and haven't applied for any cards. Does anyone have DPs on when I can be back with Chase? Reason for my shutdown(a clear reason was not given) I suspect is: I used Chase cards to reload Prepaid accounts(back in the days).
reloaded serve?
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Old Mar 11, 19, 9:31 pm
  #2497  
 
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Originally Posted by briang191 View Post


reloaded serve?
or they were riding the Redbird wagon... oh those were the days...
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Old Mar 13, 19, 8:02 pm
  #2498  
 
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Originally Posted by bigshooter View Post
or they were riding the Redbird wagon... oh those were the days...
I miss the Redbird days
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Old Mar 29, 19, 10:43 am
  #2499  
 
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Any guess if opening a Chase Sapphire Checking Account is increasing the risk of review/shutdown or if they are happy to have $75k+ Of my money in their account?
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Old Mar 29, 19, 11:21 am
  #2500  
 
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Originally Posted by blitzen View Post
Any guess if opening a Chase Sapphire Checking Account is increasing the risk of review/shutdown or if they are happy to have $75k+ Of my money in their account?
It should have no impact.

But also, the account tier has nothing to do. FWIW - even CPC got shut down as well.
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Old Mar 29, 19, 11:49 am
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Originally Posted by garykung View Post
It should have no impact.

But also, the account tier has nothing to do. FWIW - even CPC got shut down as well.
I would hope for no impact as I'm not planning on getting more chase credit cards anytime soon but I'm not stopping on playing the field with other issuers.

The event that a CPC was shut down does not indicate that it has nothing to do with the account tier. It just indicates a shutdown can happen but the rules might be different (aka more forgiving for a CPPC but deadly sins still exist "reputational risk" etc.)
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Old Mar 29, 19, 12:57 pm
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Originally Posted by blitzen View Post
Any guess if opening a Chase Sapphire Checking Account is increasing the risk of review/shutdown or if they are happy to have $75k+ Of my money in their account?
This probably equates to McDonald's selling one less customer a big mac. They don't care.
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Old Mar 29, 19, 9:40 pm
  #2503  
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Originally Posted by blitzen View Post
Any guess if opening a Chase Sapphire Checking Account is increasing the risk of review/shutdown or if they are happy to have $75k+ Of my money in their account?
Are you kidding?
$75K is less than a drop in a bucket to Chase' 2018 revenue of $131.412B,
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Old Mar 30, 19, 4:28 am
  #2504  
 
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Originally Posted by Happy View Post
Are you kidding?
$75K is less than a drop in a bucket to Chase' 2018 revenue of $131.412B,
LOL steady drop fills the bucket
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Old Mar 30, 19, 6:55 am
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Originally Posted by concordian View Post
I had all my chase accounts shut down in Oct 2017 and haven't applied for any cards. Does anyone have DPs on when I can be back with Chase? Reason for my shutdown(a clear reason was not given) I suspect is: I used Chase cards to reload Prepaid accounts(back in the days).
You're probably toast, they have a long memory.
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