Citi AA churn - impact on Amex, BoA, Chase et.al. application strategy?
Jul 27, 2018, 7:45 pm
#16
Join Date: Mar 2015
Posts: 333
...I do not know Chase's exact protocol, but simply having multiple accounts is not a trigger. There are several common threads to shutdowns that seem to have everything to do with BOF patterns and have nothing to do with me. I was responding to an honest question someone had with a valid DP. .... I have a fine relationship with Chase and do not abuse it.
Last edited by mia; Jul 28, 2018 at 4:26 pm Reason: Remove inflammatory language.
Jul 28, 2018, 11:35 am
#18
Join Date: Feb 2009
Posts: 6,605
....I do not know Chase's exact protocol, but simply having multiple accounts is not a trigger. There are several common threads to shutdowns that seem to have everything to do with BOF patterns and have nothing to do with me. I was responding to an honest question someone had with a valid DP. .... I have a fine relationship with Chase and do not abuse it.
....
You said you are LOL/24 and Chase is looking at every account you opened, not just Chase accounts.
Called to ask for a reinstatement review, gave detailed explanation, but got a call one week later saying the accounts couldn't be reopened. Cited two reasons:
- Repeatedly added and removed authorized users
- Too many new accounts opened within the last 24 months.
- Repeatedly added and removed authorized users
- Too many new accounts opened within the last 24 months.
....
Last edited by mia; Jul 28, 2018 at 4:30 pm Reason: Delete references and response to removed content.
Jul 28, 2018, 4:00 pm
#20
Join Date: Mar 2015
Posts: 333
....
You said you are LOL/24 and Chase is looking at every account you opened, not just Chase accounts.
Your claim that multiple accounts is not a trigger is simple FALSE as the letter for a shutdown one person posted specifically says that WAS A FACTOR. The user responded that he opened 16 cards in 24 months which is often considered LOL/24 territory
You said you are LOL/24 and Chase is looking at every account you opened, not just Chase accounts.
Your claim that multiple accounts is not a trigger is simple FALSE as the letter for a shutdown one person posted specifically says that WAS A FACTOR. The user responded that he opened 16 cards in 24 months which is often considered LOL/24 territory
Multiple accounts alone has not been shown to be a shutdown cause for anyone. ....
Chase had no problem with me opening a new Hyatt account, which was the DP I was sharing.
....
I was referring to break out fraud. A pattern of many cc applications and sudden ramping up of CL, authorized users and spend, then disappearing.
Looking at multiple data points many of us think that ferreting this out is a much more rational explanation of what Chase has been doing with shutdowns.
Not how many Citi AA cards a mortgage holder has where CL is routinely lowered and accounts then closed.
But watch me get concern trolled for sharing this view by someone who thinks they know better.
Last edited by mia; Jul 28, 2018 at 4:33 pm
Jul 28, 2018, 4:38 pm
#21
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Moderator action
Thread closed. A few posts have been edited to remove overt of expressions of personal animosity. For reference, here is the rule:
Please discuss Chase cards in the existing threads in the Chase forum:
https://www.flyertalk.com/forum/chas...17-onward.html
https://www.flyertalk.com/forum/chas...solidated.html
If you have a difference of opinion with another member, challenge the idea — NOT the person. Getting personal with another member is not allowed. Personal attacks, insults, baiting and flaming will not be tolerated.
If another member gets personal with you, do not retaliate. Retaliation may well subject you to the same discipline. Instead, please use the 'Alert a moderator to this thread' button in the lower-left-hand-corner of each post, send a note explaining your concern to the moderator team, and leave it to them to handle.
If another member gets personal with you, do not retaliate. Retaliation may well subject you to the same discipline. Instead, please use the 'Alert a moderator to this thread' button in the lower-left-hand-corner of each post, send a note explaining your concern to the moderator team, and leave it to them to handle.
https://www.flyertalk.com/forum/chas...17-onward.html
https://www.flyertalk.com/forum/chas...solidated.html
Aug 27, 2018, 6:15 pm
#22
Join Date: Feb 2009
Posts: 6,605
2 more new mailers, 60K 'expiring' 10/15.
No matter what some of you guys think, this mailer churn is by this point 100% the best churn ever. I'm somewhere around 3-4 MM Aadvantage miles in 2 player mode with at least 2 more 8/65 rounds to go by the looks of it.
I feel like Uncle Scrooge sometimes ...
No matter what some of you guys think, this mailer churn is by this point 100% the best churn ever. I'm somewhere around 3-4 MM Aadvantage miles in 2 player mode with at least 2 more 8/65 rounds to go by the looks of it.
I feel like Uncle Scrooge sometimes ...
That is what my wife and I do. I'm now card free until late 2019 and prior to that my wife went card free in early 2016 when Chase announced 5/24 only to start getting cards again in ate 2017. We have about 1.5 Mil AA and we don't even fly AA and are just accumulating miles for someday.
My favorite churn ever was Hilton, 40 - 60K points for spending $1000 and the other banks didn't have rules such as 5/24 so in between the 2 HH cards every 70 days we were able to add additional cards and never had the need to do any traditional MS.
Last edited by flyer4512; Aug 27, 2018 at 7:14 pm
Aug 27, 2018, 8:07 pm
#25
Join Date: May 2011
Posts: 889
'traditional' MS, like my father used to do, and his father before him, none of that newfangled stuff the kids do these days, it just ain't right, I'm telling you
Aug 27, 2018, 8:58 pm
#26
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
Aug 28, 2018, 9:55 am
#29
Join Date: Apr 2014
Programs: Hilton - Diamond, IHG - Spire Amb
Posts: 901
Unless you have a need for so many AA miles why not have one person back off and reset the 5/24 clock ?
That is what my wife and I do. I'm now card free until late 2019 and prior to that my wife went card free in early 2016 when Chase announced 5/24 only to start getting cards again in ate 2017. We have about 1.5 Mil AA and we don't even fly AA and are just accumulating miles for someday.
My favorite churn ever was Hilton, 40 - 60K points for spending $1000 and the other banks didn't have rules such as 5/24 so in between the 2 HH cards every 70 days we were able to add additional cards and never had the need to do any traditional MS.
That is what my wife and I do. I'm now card free until late 2019 and prior to that my wife went card free in early 2016 when Chase announced 5/24 only to start getting cards again in ate 2017. We have about 1.5 Mil AA and we don't even fly AA and are just accumulating miles for someday.
My favorite churn ever was Hilton, 40 - 60K points for spending $1000 and the other banks didn't have rules such as 5/24 so in between the 2 HH cards every 70 days we were able to add additional cards and never had the need to do any traditional MS.
I think there is a country music song about "No such thing as a car too fast, a girl to pretty" and my next line would be no such things a AA account with too many miles! It is a losing proposition in my mind to get back under 5/24 while this epic churn exists. Once/If it ends then I may explore other avenues.
Aug 28, 2018, 11:48 am
#30
Join Date: May 2011
Posts: 889
I think there is a country music song about "No such thing as a car too fast, a girl to pretty" and my next line would be no such things a AA account with too many miles! It is a losing proposition in my mind to get back under 5/24 while this epic churn exists. Once/If it ends then I may explore other avenues.