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]
Feb 16, 2019, 9:04 am
#2461
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,863
There is the key, you are new to the USA and have activated the algorithm on foreign nationals, new permanent residents, illegals, etc... This kind of behavior shuts you down. If you get a card of any kind in the USA, you should use that one and only that one for three years or more. Then add on another and use it for a year or more. (Does not apply to retail cards) After you have a seasoned credit report and an established history in the USA, a LONG established history, you can possibly then enter the more cards game. YMMV
Looking more into what I as a financial analyst would see. I see a person opening up too many accounts too quickly who has little or no permanent ties to the USA. Furthermore, this person may have had a transaction in Thailand which all foreign transactions usually cause an eye to be put on the account. This makes me wonder if you are moving to another country. If you are now a bust out risk. I would close all of your accounts. Too much too fast too risky!!!
Looking more into what I as a financial analyst would see. I see a person opening up too many accounts too quickly who has little or no permanent ties to the USA. Furthermore, this person may have had a transaction in Thailand which all foreign transactions usually cause an eye to be put on the account. This makes me wonder if you are moving to another country. If you are now a bust out risk. I would close all of your accounts. Too much too fast too risky!!!
Last edited by mia; Feb 16, 2019 at 9:48 am Reason: Combine consecutive replies.
Feb 16, 2019, 11:38 am
#2462
Join Date: Jun 2014
Location: LAX
Posts: 177
There is the key, you are new to the USA and have activated the algorithm on foreign nationals, new permanent residents, illegals, etc... This kind of behavior shuts you down. If you get a card of any kind in the USA, you should use that one and only that one for three years or more. Then add on another and use it for a year or more. (Does not apply to retail cards) After you have a seasoned credit report and an established history in the USA, a LONG established history, you can possibly then enter the more cards game. YMMV
Looking more into what I as a financial analyst would see. I see a person opening up too many accounts too quickly who has little or no permanent ties to the USA. Furthermore, this person may have had a transaction in Thailand which all foreign transactions usually cause an eye to be put on the account. This makes me wonder if you are moving to another country. If you are now a bust out risk. I would close all of your accounts. Too much too fast too risky!!!
Looking more into what I as a financial analyst would see. I see a person opening up too many accounts too quickly who has little or no permanent ties to the USA. Furthermore, this person may have had a transaction in Thailand which all foreign transactions usually cause an eye to be put on the account. This makes me wonder if you are moving to another country. If you are now a bust out risk. I would close all of your accounts. Too much too fast too risky!!!
Speaking of which (and slightly off-topic) - it would be awesome if the secured concept could apply to almost any card. I'd happily "secure" a CSP or CSR by depositing even 2x the credit line if that would be an option.
Feb 16, 2019, 7:52 pm
#2463
Join Date: Jun 2013
Location: SJC/SFO
Posts: 373
If you get a card of any kind in the USA, you should use that one and only that one for three years or more. Then add on another and use it for a year or more. (Does not apply to retail cards) After you have a seasoned credit report and an established history in the USA, a LONG established history, you can possibly then enter the more cards game. YMMV
Feb 16, 2019, 11:11 pm
#2464
Join Date: Jun 2014
Location: LAX
Posts: 177
This is simply not true. I got approved for an account with HSBC the month I arrived in the US. A couple of months later, Discover approved me. A couple of months later, I got an Amex. A year in, I had two Chase cards. In 6 years in the US, I have accumulated a total of 17 accounts (many of those closed by now), including a mortgage. I only ever got one rejection, from Capital One (ha).
Feb 17, 2019, 8:47 am
#2465
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,956
I believe Citi has a similar program.
This is an area in which Chase is not competitive. Even though JP Morgan is a trans-national investment bank, Chase is not a player in consumer banking outside the USA.
Feb 22, 2019, 9:31 am
#2466
Join Date: Aug 2017
Posts: 1,610
Back in summer during the wave of chase shutdowns I was shutdown also (not due to MS/debt etc, just being lol/24, this was confirmed as i heard the notes kept on file from multiple reps). Reinstatement didn't happen.
After several months I tried applying again (marriott busn) but still denied due to "unsatisfactory relationship". Do we know how long this black mark stays, is it forever and I'll never be able to get a chase card ever again or is there hope?
After several months I tried applying again (marriott busn) but still denied due to "unsatisfactory relationship". Do we know how long this black mark stays, is it forever and I'll never be able to get a chase card ever again or is there hope?
Feb 22, 2019, 9:38 am
#2467
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
Likely a very long time. Even people who are approved often get shut down again soon thereafter.
Feb 22, 2019, 2:14 pm
#2468
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,863
Back in summer during the wave of chase shutdowns I was shutdown also (not due to MS/debt etc, just being lol/24, this was confirmed as i heard the notes kept on file from multiple reps). Reinstatement didn't happen.
After several months I tried applying again (marriott busn) but still denied due to "unsatisfactory relationship". Do we know how long this black mark stays, is it forever and I'll never be able to get a chase card ever again or is there hope?
After several months I tried applying again (marriott busn) but still denied due to "unsatisfactory relationship". Do we know how long this black mark stays, is it forever and I'll never be able to get a chase card ever again or is there hope?
Feb 22, 2019, 2:43 pm
#2469
Suspended
Join Date: Aug 2010
Location: DCA
Programs: UA US CO AA DL FL
Posts: 50,262
For goodness sake, Chase fired you as a customer. Move on and do business elsewhere. Why would you come begging back?
Feb 22, 2019, 3:43 pm
#2470
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
Amex has a Marriott card, but it’s not like people shut down by Chase have options when it comes to United, Hyatt, Southwest, etc.
Feb 22, 2019, 4:42 pm
#2471
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,943
Back in summer during the wave of chase shutdowns I was shutdown also (not due to MS/debt etc, just being lol/24, this was confirmed as i heard the notes kept on file from multiple reps). Reinstatement didn't happen.
After several months I tried applying again (marriott busn) but still denied due to "unsatisfactory relationship". Do we know how long this black mark stays, is it forever and I'll never be able to get a chase card ever again or is there hope?
After several months I tried applying again (marriott busn) but still denied due to "unsatisfactory relationship". Do we know how long this black mark stays, is it forever and I'll never be able to get a chase card ever again or is there hope?
Last edited by Stgermainparis; Feb 22, 2019 at 5:04 pm
Feb 22, 2019, 7:15 pm
#2473
Join Date: Oct 2017
Posts: 84
The official reason on my shutdown letter was "rewards misuse".
They wouldn't tell me any more details about the shutdown reason, so I'm left with my speculation: It was probably the 6 mo. of high spend on my CSP,
particularly what I was buying. What was I buying? Well, with a nod to AlohaDaveKennedy and his obfuscations: I needed to get on my roof. And no I'm not going to tell you where I was buying that. Find your own damn unicorn shutdown trigger.
Lessons learned: I probably shouldn't have done that much spending on one card consecutively. No reason I couldn't use other bank's cards some months, which is what I'll do now.
Second: In jan., I did split the payoff of my balance between 2 different checking accounts. I was shutdown shortly after. Churning lore says that may have been a contributing factor in putting eyes on my account.
Third: An outside chance that crossing a big UR balance threshold causes some cursory review.
I'm going to miss my Ink Cash for its 5x during the OD/OM promos the most. That was a nice 125k UR/year at no cost except a little running around. Though losing the annual IHG and Hyatt free nights stings a little, too. Due to being way over 5/24, I wouldn't have been opening any new cards with them anyway. Now I have another reason to not worry about 5/24.
Feb 22, 2019, 9:03 pm
#2474
Join Date: Dec 2009
Location: DEN
Posts: 502
Back in summer during the wave of chase shutdowns I was shutdown also (not due to MS/debt etc, just being lol/24, this was confirmed as i heard the notes kept on file from multiple reps). Reinstatement didn't happen.
After several months I tried applying again (marriott busn) but still denied due to "unsatisfactory relationship". Do we know how long this black mark stays, is it forever and I'll never be able to get a chase card ever again or is there hope?
After several months I tried applying again (marriott busn) but still denied due to "unsatisfactory relationship". Do we know how long this black mark stays, is it forever and I'll never be able to get a chase card ever again or is there hope?
Feb 24, 2019, 8:28 am
#2475
Join Date: Aug 2013
Posts: 171
I probably already know the answer, but is going for a sixth Chase card in the last ten months pushing it too much? I fell back below 5/24 in April 2018. Re-started the Chase gauntlet with the CSR in May plus 3 additional biz cards and one more personal card since then, typically spaced out every few months. Last app was the SW card in January 2019.
800+ credit, good income, have proactively reduced credit lines after each approval to current $30K total across five existing Chase cards. Really want the Explorer biz card 75K bonus before it goes away mid March. Plan would be to lay low on Chase after that for at least 4-5 months.
Thanks much.
800+ credit, good income, have proactively reduced credit lines after each approval to current $30K total across five existing Chase cards. Really want the Explorer biz card 75K bonus before it goes away mid March. Plan would be to lay low on Chase after that for at least 4-5 months.
Thanks much.