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 21, 2018, 1:42 pm
#1891
Join Date: Sep 2015
Location: SFO
Posts: 3,878
Got a call from the Exec Office yesterday saying that they reviewed the case and they reopened my cards - no explanation given or asked for. Now I'm trying to stay low and avoid anything that triggers another review while still actively (not as active as before) participating in this hobby.
Apr 21, 2018, 1:54 pm
#1892
Join Date: Jul 2011
Location: Sunny AZ
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,211
New Chase applications have been a trigger for Chase review for at least two years and maybe longer. It's not a "new trigger" at all, nor are post-review shutdowns new. There seems to be an increase in the number of reported shutdowns, which probably has to do with Chase's 5/24 policy and their desire to more aggressively weed out churners.
post shutdown reviews are another issue and should be left for another post.
how does 5/24 plays into this as while I was 5/24 compliant I was shut down (aka while it is a chase guideline it has little to do with this).
Apr 21, 2018, 1:58 pm
#1893
Join Date: Jul 2011
Location: Sunny AZ
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,211
New accounts are not a new trigger...refer to #7 wiki of the Chase closed account thread. There are no definitive guidelines to trigger a review of account or a shutdown - only datapoints.
Awesome, and treading lightly is wise.
Awesome, and treading lightly is wise.
just trying to find new guidelines / strategies/ emphasis /..... beside the “fraud” or what they consider fraud MS, gift cards , .... as this was always an issue for Chase (or maybe they got stricter on these triggers too).
Apr 21, 2018, 2:12 pm
#1894
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
There's no "if" about it: It is true. Policies change over time, whether we're talking about banks or airlines or any other business.
post shutdown reviews are another issue and should be left for another post.
how does 5/24 plays into this as while I was 5/24 compliant I was shut down (aka while it is a chase guideline it has little to do with this).
Apr 21, 2018, 2:29 pm
#1895
Join Date: Sep 2015
Location: SFO
Posts: 3,878
Thats' the purpose of this thread. The datapoints provide insight into exactly what you're trying to find.
ETA: each review or shutdown is unique as everyone's situation is different. The wiki consolidate common denominators when Chase closes account. I advise you to read this thread (and reddit and DoC) thoroughly.
ETA: each review or shutdown is unique as everyone's situation is different. The wiki consolidate common denominators when Chase closes account. I advise you to read this thread (and reddit and DoC) thoroughly.
Apr 21, 2018, 2:30 pm
#1896
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
nor are post-review shutdowns new.
Apr 21, 2018, 2:44 pm
#1897
Join Date: Jul 2011
Location: Sunny AZ
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,211
joe_miami
please stop responding to my posts. You are trying to give absolute answers where this isn the case. New accounts might be one factor but it became a more important factor etc. unless you work in the risk department of Chase you are just guessing like the rest of us.
please stop responding to my posts. You are trying to give absolute answers where this isn the case. New accounts might be one factor but it became a more important factor etc. unless you work in the risk department of Chase you are just guessing like the rest of us.
Apr 21, 2018, 3:06 pm
#1898
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
joe_miami
please stop responding to my posts. You are trying to give absolute answers where this isn the case. New accounts might be one factor but it became a more important factor etc. unless you work in the risk department of Chase you are just guessing like the rest of us.
please stop responding to my posts. You are trying to give absolute answers where this isn the case. New accounts might be one factor but it became a more important factor etc. unless you work in the risk department of Chase you are just guessing like the rest of us.
Taking you at your word, you weren't MSing at Chase, you applied for new non-5/24 Chase card(s) while at LOL/24, you got shut down temporarily, and then your cards were reactivated. There's no big mystery here. The new applications for non-5/24 card(s) triggered a review, as has happened with hundreds if not thousands of other Chase customers. End of story.
Apr 21, 2018, 7:47 pm
#1899
Join Date: Dec 2010
Posts: 1,516
In the light of recent shutdowns from Chase, I'm worrying if voluntarily closing one card may lead to shutdown of the rest.
I was in and out with Chase (means, they closed my account several times in the past) in the past few years. Last year I got igh and ba visa. I renewed igh (and plan on keeping it), but ba visa is not such important. I read here, that some people were shutdown even after converting one card to another, because eyes were put on the account. Am I too paranoid that if I ask them to close my ba visa, they somehow look to my profile, find out about previous shutdowns and close igh card?
I was in and out with Chase (means, they closed my account several times in the past) in the past few years. Last year I got igh and ba visa. I renewed igh (and plan on keeping it), but ba visa is not such important. I read here, that some people were shutdown even after converting one card to another, because eyes were put on the account. Am I too paranoid that if I ask them to close my ba visa, they somehow look to my profile, find out about previous shutdowns and close igh card?
Apr 21, 2018, 7:52 pm
#1900
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
If you've been shut down by Chase multiple times already, there's no such thing as "too paranoid." I'm surprised they don't simply blacklist people by SSN. Why shut someone down but then let them apply again a short time later? Makes no sense, really.
Apr 25, 2018, 8:50 am
#1901
Join Date: Apr 2008
Posts: 615
Are there success stories of folks getting shut down and then re-applying a short time later? I was under the impression Chase's feedback to folks is "sure, you can apply again but don't expect to be approved" (in so many words) based on folks' conversations with CSRs.
Apr 25, 2018, 11:42 am
#1902
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
There are a few, including jk2 above.
Apr 26, 2018, 5:57 am
#1903
Join Date: Jul 2011
Location: Sunny AZ
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,211
Are there success stories of folks getting shut down and then re-applying a short time later? I was under the impression Chase's feedback to folks is "sure, you can apply again but don't expect to be approved" (in so many words) based on folks' conversations with CSRs.
only read that people are (semi)permanently shut out from Chase .... some had success a few years later other didn’t ( permanent or maybe their time in purgatory not over yet).
Apr 26, 2018, 6:36 am
#1904
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
I interpreted jk2 that Chase shut down his accounts and then reconsidered/reopened the accounts.
only read that people are (semi)permanently shut out from Chase .... some had success a few years later other didn’t ( permanent or maybe their time in purgatory not over yet).
What you have seen is when Chase finally let jk2 back in. That's also why jk2 doesn't want to screw it up their the reunion.
jk2 if this is incorrect please advise. Thanks
Apr 26, 2018, 10:11 am
#1905
Join Date: Aug 2017
Posts: 22
How many people are getting shutdown product changes? Downgrades? Upgrades? Are there any datapoints on this?